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…
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post What FICO and Vantage are and how they differ as credit scoring models Why Vantage often scores higher on the same borrower How large the gap…
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why a quit claim deed does not remove a spouse from the mortgage Two paths: waiting for the decree vs. refinancing mid-divorce How a court-ordered cash…
Introduction As June unfolds and summer is in full swing, many families are considering making a move before the school year begins. The mid-summer months offer a unique opportunity to close on a home and settle in before the back-to-school…
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why Friday’s jobs report shifted the rate cut conversation How the Federal Reserve and mortgage rates actually work Where rate cut expectations stand right now Why…
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why writing off income on your taxes can work against you when qualifying for a mortgage What a bank statement loan is and who it is…
