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.…
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why a perfect credit score does not guarantee mortgage approval What debt to income ratio actually is and why the back end number is the one…
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post How a client bought a $1,350,000 Santa Rosa home all cash using a 60-day IRA margin loan What delayed financing is and how the refi works…
Introduction With the Independence Day holiday just around the corner, many homeowners are considering home improvement projects to enhance their living spaces. Summer is an ideal season for renovations, and refinancing your mortgage could be a strategic way to fund…
June 16, 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Issue Why inflation looked worse than it actually was The two numbers that have been fighting inside the CPI data What the peace deal actually does…
