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…
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post How a client kept their COVID-era rate and still bought a new primary in Napa What lenders actually require to use rental income from a departing…
Introduction As we approach the 4th of July, a time synonymous with celebrating freedom and independence, many of us reflect on personal goals, including financial independence and homeownership. For aspiring homebuyers, the summer season often marks a peak time for…
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why rates are not the number your hesitant buyers should be focused on right now What Fannie Mae’s Q2 2026 Home Price Expectations Survey actually says…
June 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why a low appraisal on a conventional loan is a dogfight and a VA appraisal is not What Tidewater is and exactly how the 48-hour process…
May 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why using your VA loan on a short-term home can be a costly mistake How to preserve your entitlement for the home that actually matters What…
