July 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post The price-vs-credit reframe: same to the seller, different for you Why knocking $1,000 off the price only saves about $7 a month How to put a…
Understanding Mid-Summer Mortgage Trends The peak of summer is upon us, and with it comes a lively real estate market. Whether you’re considering purchasing a new home or refinancing your existing mortgage, understanding current trends can give you a strategic…
July 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why an FHA loan is not only for first-time buyers The mortgage insurance detail most people never hear (500 or 850, same cost) The 3.5% down…
July 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post What a VA IRRRL (the streamline refi) is, and what it skips Why the “4% refi” offers flooding your mailbox are usually a trap How a…
Understanding the Summer Housing Market The summer months, stretching from the Fourth of July to Labor Day, create a vibrant season for the housing market. This period is often marked by increased activity as families aim to settle into new…
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why mortgage rates spike fast but fall slowly Where rates actually stand right now, and why the level is not the problem What Thursday’s jobs report…
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why paying rent on time does not prove you qualify for a mortgage How a lender measures you differently than a landlord does What debt-to-income is,…
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why self-employed borrowers need to start the mortgage conversation years before they are ready to buy How traditional tax-return-based qualifying works against self-employed income and what…
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why you cannot lock a rate before you have a property in contract What locking the rate sheet actually means and why it gives you more…
Understanding the Impact of Hurricane Season on Homeownership As we approach the peak of hurricane season this July, it’s crucial for homeowners, especially those in coastal and high-risk areas, to take proactive measures to protect their homes and financial investments.…
