Keep Your Rate and Buy Up
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…
4th of July Financial Freedom: Essential Mortgage Tips for Aspiring Homebuyers During the Summer Fever
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…
The Number Your Hesitant Buyers Need to Hear
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…
VA Appraisal and Tidewater
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…
When NOT to Use Your VA Loan
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…
What Bay Area Buyers Get Wrong in Sonoma County
May 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why Bay Area buyers almost always zero in on the Russian River area What makes river area properties different from a lending standpoint The unpermitted additions…
Summer Solstice Savvy: Timing Your Home Purchase for Maximum Benefit in the Longest Days of the Year
Embracing the Summer Solstice for Your Home Purchase As we approach the summer solstice, the longest day of the year, many people find themselves with extra hours of daylight to tackle various tasks. For those considering buying a home, this…
How Much Cash Do You Actually Need to Buy in Sonoma County?
May 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post Why $50,000 is the number most first-time buyers in Sonoma County should be targeting What actually makes up that figure beyond the down payment The impound…
Is Your Loan Jumbo?
May 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post The three loan tiers in Sonoma County and exactly where each limit sits Why jumbo financing is the Wild West — and what that means for…
Still Waiting to Buy?
May 2026 | GTG Financial | Santa Rosa, CA TL;DR: What’s in This Post The one question that usually reframes the whole decision for buyers on the sidelines Why waiting for rates or the market rarely works out the way…
