Welcome to Golden Coast Loans

The Gold Standard of Home Loans

About Us

We have over 50 years in financial services experience to guide you through one of the largest financial decisions of your life. Contact us today to begin the journey!

home loans san clemente southern california

Specializing in California Home Loans

We’ve simplified the process to give you a hassle-free experience with your home loan. 

.01

Purchase Loans

Home purchase loans with today’s great mortgage rates to make your dream home affordable.

.02

Refinance Loans

Refinance your loan with today’s super low interest rates and save on your monthly payments today! 

.03

VA Loans

We help active duty and veterans with their dream homes!

.04

FHA Loans

First time buyer? No problem. Get into your dream home at today’s low rates!

.05

Reverse Mortgage

We help put money into your hands when you need it most.

.06

Bank Statement

We help self-employed clients qualify for a home loan!

.07

USDA

Take advantage of these rural loans today!

.08

Jumbo

First time buyer? No problem. Get into your dream home at today’s low rates!

Market Updates

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5 days ago
Golden Coast Loans

THE QUESTION LINGERS IN THIS MARKET: BUY VS RENT?

One of our favorite statistics: 90% of the millionaires in our country built their wealth through real estate. Let's explore how this market still provides this opportunity for you and your family.

The real estate market has been very strong and because inventory levels are low, it may be more challenging to find a home to purchase. That has some people considering renting their next home instead of buying.

There are a few factors to be considered before making that big decision. Some of the most respected companies, like CoreLogic, Case-Shiller, Black Knight, MBS Highway, and others, forecast that real estate values are expected to appreciate into the foreseeable future.

This can create significant wealth for your family. Meanwhile, rents are forecasted to continue to rise by more than 5% per year, which can have a significant impact on your cashflow over time.

Additionally, your mortgage will amortize… meaning that a portion of each of your monthly payments will go toward reducing your loan balance, which builds equity and wealth for you. This is different than a rental payment, which builds wealth for your landlord.

Another big consideration is the level of freedom to do things to your home as an owner, which may be limited as a tenant.

We have the ability to provide you with a detailed analysis with forecasts for your specific market upon request. Contact us to see why homeownership might be a great way for you to create wealth. (949) 705-7702.
... See MoreSee Less

THE QUESTION LINGERS IN THIS MARKET: BUY VS RENT?

One of our favorite statistics: 90% of the millionaires in our country built their wealth through real estate. Lets explore how this market still provides this opportunity for you and your family.

The real estate market has been very strong and because inventory levels are low, it may be more challenging to find a home to purchase. That has some people considering renting their next home instead of buying.

There are a few factors to be considered before making that big decision. Some of the most respected companies, like CoreLogic, Case-Shiller, Black Knight, MBS Highway, and others, forecast that real estate values are expected to appreciate into the foreseeable future.

This can create significant wealth for your family. Meanwhile, rents are forecasted to continue to rise by more than 5% per year, which can have a significant impact on your cashflow over time.

Additionally, your mortgage will amortize… meaning that a portion of each of your monthly payments will go toward reducing your loan balance, which builds equity and wealth for you. This is different than a rental payment, which builds wealth for your landlord.

Another big consideration is the level of freedom to do things to your home as an owner, which may be limited as a tenant.

We have the ability to provide you with a detailed analysis with forecasts for your specific market upon request. Contact us to see why homeownership might be a great way for you to create wealth. (949) 705-7702.
2 weeks ago
Golden Coast Loans

One of our favorite aspects of our job is how closely we work with others and most of our clients become our friends.

Donna and Stephen it has been a pleasure working with you over the years and becoming friends. Cheers to our next get together!

#goldencoastloans #lenderforlife #fromclientstofriends
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One of our favorite aspects of our job is how closely we work with others and most of our clients become our friends.

Donna and Stephen it has been a pleasure working with you over the years and becoming friends. Cheers to our next get together!

#goldencoastloans #lenderforlife #fromclientstofriends
3 weeks ago
Golden Coast Loans

❗❗️ ACT NOW BEFORE THE FED STARTS TAPERING ❗️❗️

There’s a lot of talk about the Federal Reserve cutting back their buying of mortgage bonds, which is known as tapering. The purchases of mortgage bonds have helped keep interest rates low.

This can be very important to you if you are considering purchasing a home or looking to refinance your current mortgage to save money.

Interest rates are still extremely favorable. But at their recent meeting last week, the Fed said that they will likely begin reducing their purchases of mortgage-backed securities by the end of this year, with an official announcement likely on November 3.

Once the Fed starts to pull back on their purchases, there is a risk that interest rates may move up, which makes this a great time to take advantage of low rates. Call us today to get started (949) 705-7702.
... See MoreSee Less

❗❗️ ACT NOW BEFORE THE FED STARTS TAPERING ❗️❗️

There’s a lot of talk about the Federal Reserve cutting back their buying of mortgage bonds, which is known as tapering. The purchases of mortgage bonds have helped keep interest rates low.
 
This can be very important to you if you are considering purchasing a home or looking to refinance your current mortgage to save money. 

Interest rates are still extremely favorable. But at their recent meeting last week, the Fed said that they will likely begin reducing their purchases of mortgage-backed securities by the end of this year, with an official announcement likely on November 3.
 
Once the Fed starts to pull back on their purchases, there is a risk that interest rates may move up, which makes this a great time to take advantage of low rates. Call us today to get started (949) 705-7702.
4 weeks ago
Golden Coast Loans

🏡💵🔑 THE MEDIA IS HYPING MORE HOUSING BUBBLE FEARS BUT NUMBERS DON’T LIE 🔑💵🏡

Home prices have risen 41% since 2006. This has prompted another round of media fearmongering that a housing bubble is imminent. As you know, the media has been talking about a housing bubble for the past several years, only to see home prices continue to be well supported.

Comparing today’s housing market to the market in 2006 requires us to understand some key differences to help us see the full picture. Let’s break that down.

The majority of individuals who buy homes do so based upon monthly payment. Therefore, we must consider differences in mortgage interest rates, as well as differences in household income between the market in 2006 and today.

Mortgage rates in 2006 ran about 3% higher than interest rates that are available today. This helps make the monthly payment today much lower, even in some cases where the amount borrowed is higher.

Meanwhile, average hourly earnings have increased by 55% from 2006 to today, according to the Bureau of Labor Statistics.

Because of the rise in income, as well as the drop in interest rates, the cost to purchase a home today appears to be significantly more affordable than it was in 2006.

Additionally, today’s appreciation is due to record low home inventory levels and strong demographic demand, which wasn’t the case in 2006.

Don’t let the media scare you out of all the wonderful benefits of homeownership. Contact us today (949) 705-7702.
... See MoreSee Less

🏡💵🔑 THE MEDIA IS HYPING MORE HOUSING BUBBLE FEARS BUT NUMBERS DON’T LIE 🔑💵🏡

Home prices have risen 41% since 2006. This has prompted another round of media fearmongering that a housing bubble is imminent. As you know, the media has been talking about a housing bubble for the past several years, only to see home prices continue to be well supported.

Comparing today’s housing market to the market in 2006 requires us to understand some key differences to help us see the full picture. Let’s break that down.

The majority of individuals who buy homes do so based upon monthly payment. Therefore, we must consider differences in mortgage interest rates, as well as differences in household income between the market in 2006 and today.

Mortgage rates in 2006 ran about 3% higher than interest rates that are available today. This helps make the monthly payment today much lower, even in some cases where the amount borrowed is higher.

Meanwhile, average hourly earnings have increased by 55% from 2006 to today, according to the Bureau of Labor Statistics. 

Because of the rise in income, as well as the drop in interest rates, the cost to purchase a home today appears to be significantly more affordable than it was in 2006.

Additionally, today’s appreciation is due to record low home inventory levels and strong demographic demand, which wasn’t the case in 2006.

Don’t let the media scare you out of all the wonderful benefits of homeownership. Contact us today (949) 705-7702.

Comment on Facebook

Great info

Amén………

1 month ago
Golden Coast Loans

9 DAY CLOSING ON A PURCHASE!

Who you work with matters!

Call us today to discuss your real estate financing needs and goals.

(949) 705-7702
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What Our Clients Say About Us

AMY and her team rocked it! I was in a very rough situation with a previous lender and in the final hour when I was about to fall out of escrow. Amy and her team came in worked the extra hours late into the night and salvaged my escrow. I am FOREVER GRATEFUL to her and her team. Without her I would have not got my home loan and the dream home I had invested so much time and money into getting. Amy knows her stuff and was more than confident she could get me approved when another lender could not and mislead me during my escrow. PLEASE USE AMY! MANY THANK YOUS!

Jaclyn Burke

Being self-employed, my wife and I struggled to find mortgage refinancing even though we had plenty of equity in our home. Amy and her team tackled our mortgage qualification professionally and quickly. We were able to provide the loan documentation easily on-line. Where other mortgage companies failed, Amy was able to secure our re-fi in about 30 days at a competitive rate and cost.

Elsie Ross

We had a buyer with some difficult obstacles to overcome with her financing and Amy stepped in half way through and knocked it out of the park. We didn’t even fall too far outside our initially scheduled closing date.

Agajanian Group

Amy was very receptive in our desire to expedite the early payoff of our thirty-year conventional loan. Her assistance in this matter will enable us to pay-down the principle faster and reduce the total interest paid.

John C.

Have Questions?

Feel free to contact us with any questions you may have!

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