Understanding the Timing of a September Move Labor Day homebuying is on many prospective buyers’ minds as we approach the holiday are planning their moves around this traditional end-of-summer holiday. If you’re considering buying a home and moving this September,…
Apply for a mortgage before you start seriously shopping for a home, not after you find one. Getting your documents and application looked at first is the difference between making a strong, ready offer and scrambling under pressure while the…
A mortgage discovery call is a short, no-pressure first conversation with your loan officer, and it does not involve pulling your credit. It is a chance to lay out the puzzle pieces of your situation so we can point you…
Introduction As we enter the month of August, many prospective homebuyers face the August homebuying rush as they work to secure a mortgage before Labor Day. This period can be both exciting and overwhelming, as the market tends to be…
July 2026 | GTG Financial | Santa Rosa, CA First-Time Buyer Down Payment: How Little You Actually Need in Sonoma County A first-time buyer in Sonoma County may need as little as 3% down on a conventional loan, or 3.5%…
Introduction As the end of July approaches, many families are preparing for the back-to-school season. This period is not just about stocking up on school supplies; it’s also a strategic time for families considering a move to a new home.…
July 2026 | GTG Financial | Santa Rosa, CA Real Estate Contingencies Explained: The Big Three and When to Waive Them Real estate contingencies are safety nets written into your purchase contract that let you back out without losing your…
July 2026 | GTG Financial | Santa Rosa, CA 80/10/10 Loan: How We Beat PMI and a Jumbo Rate on a $1M Petaluma Home An 80/10/10 loan is a piggyback structure: a first mortgage for 80% of the price, a…
July 2026 | GTG Financial | Santa Rosa, CA Earnest Money Deposit: What It Is, and When You Could Lose It An earnest money deposit is a good faith deposit, usually 1 to 3% of the offer price, that you…
Introduction As we move deeper into the summer months, the real estate market often experiences a surge in activity. August, in particular, can be a competitive time for homebuyers. With more daylight hours and the desire to settle before the…
