Mortgage News

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…

FICO vs. Vantage credit score differences can shape your mortgage options.

A divorce refinance is the clearest path to remove a spouse from a shared mortgage.

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Mortgage rates and jobs report data often move together in ways buyers feel quickly.