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!

Specializing in California Home Loans
We’ve simplified the process to give you a hassle-free experience with your home loan.
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Purchase Loans
Home purchase loans with today’s great mortgage rates to make your dream home affordable.
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Refinance Loans
Refinance your loan with today’s super low interest rates and save on your monthly payments today!
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VA Loans
We help active duty and veterans with their dream homes!
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FHA Loans
First time buyer? No problem. Get into your dream home at today’s low rates!
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Reverse Mortgage
We help put money into your hands when you need it most.
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Bank Statement
We help self-employed clients qualify for a home loan!
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USDA
Take advantage of these rural loans today!
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Jumbo
First time buyer? No problem. Get into your dream home at today’s low rates!
Market Updates
💰🏠 ⁉️ WHAT’S NEXT FOR MORTGAGE RATES & REAL ESTATE ⁉️ 🏠💰
Most people do not know what drives mortgage rates. It’s not the Fed…it’s inflation. The good news is that inflation has been improving, which has been helping mortgage rates to improve. On May 10, we had an encouraging drop in the Consumer Price Index or CPI inflation report. The great news is this is expected to continue!
Over the next two months, inflation is expected to improve further, which should help mortgage rates even more. Improving mortgage rates will increase buyer demand in a very tight inventory environment. It might be wise to get ahead of this positive news and act sooner than later on purchasing a home.
The data continues to show the best time to purchase a home was yesterday and the second best time to purchase a home is today! Call us at 949-705-7702 for your specific strategy towards building your real estate portfolio.
NMLS #1994723
#GoldenCoastLoans #WhoYouWorkWithMatters #LenderForLife
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🏠💰 MBS Highway Housing Survey 💰🏠
MBS Highway’s May 2023 Housing Survey showed that home prices have passed an inflection point and are moving higher. This marks the 5th-straight month of improving activity levels and sentiment. 72% of respondents characterized their local buyer activity as ‘Very Active”, ‘Somewhat Active’, or ‘Steady’, which is the highest level in 9 months. Overall pricing pressure is now upward, with 53% of respondents reporting price increases, versus only 19% reporting price reductions. The turnaround has been dramatic: in December 2022, only 3% of respondents reported price increases, while 78% reported price decreases.
The data continues to show the best time to purchase a home was yesterday and the second best time to purchase a home is today! Call us at 949-705-7702 for your specific roadmap towards building your real estate portfolio.
NMLS #1994723
#GoldenCoastLoans #WhoYouWorkWithMatters #YourLenderForLife
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🏠💰CORELOGIC HOME PRICE INSIGHTS ARE ALL GOOD 💰🏠
CoreLogic reported that home prices rose 1.6% in March and are now up 3.1% year over year, which is down from the red hot fire appreciation we were seeing but still continues to demonstrate a steady increase. This comes after rising 0.8% in February indicating we are clearly at a turning point in the housing market.
CoreLogic forecasts that home prices will again rise in April by 0.8% and rise by 4.6% over the next 12 months, which is another increase from the 3.7% they predicted in their previous report.
Selma Hepp, the Chief Economist for CoreLogic said “While housing markets across the country continue to send mixed signals, prices in many large metros appeared to have turned the corner, with the U.S. recording a second month of consecutive monthly gains. At 1.6% the month-over-month increase was twice the average seen between 2015 and 2020.
The monthly rebound in home prices underscores the lack of inventory in this housing cycle. In addition, while the lack of affordability generally weighs on home price growth, mobility resulting from remote working conditions appears to be a current driver of home prices in some areas of the country."
The data speaks for itself. The best time to buy real estate was yesterday, the second best time is TODAY! Call us to discuss your real estate financing options and wealth building strategy. (949) 705-7702
#GoldenCoastLoans #WhoYouWorkWithMatters #YourLenderForLife
NMLS #1994723
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🏠💰 YOU DON’T NEED 20% DOWN TO PURCHASE A HOME! 💰🏠
One of the biggest misconceptions for renters is the amount of down payment needed to purchase a home and start building wealth through equity. Only 11% realize that a home could be purchased with just 5% down and about 45% believe that a down payment of around 20% is needed. This is according to the latest survey from the National Association of Realtors.
Additionally, two-thirds of millennial renters say they don’t have enough saved for a down payment but that's because many felt they needed to save 20% of the purchase price according to Apartment List.
If you are renting, you are getting left behind. The average homeowner has a net worth 40 times higher than that of a renter. Many millennials are already seeing this, for the first time ever 50% of millennials are now homeowners.
Rents will likely continue to rise! Don’t miss your chance to start building wealth through homeownership today. Reach out to us so we can share more about the benefits of owning a home and discuss your financing options. (949) 705-7702
#GoldenCoastLoans #LenderForLife #WhoYouWorkWithMatters
NMLS #1994723
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💰🏠 DON’T BELIEVE THE NEGATIVE MEDIA ABOUT HOME PRICE DECLINES 🏠💰
The latest Existing Home Sales report showed that the median home price declined on an annual basis for the first time in almost 11 years! Big headline right?
First of all, the decline was only 0.2% - and it was for the median home price, which is NOT the same as appreciation. FHFA’s latest appreciation report showed that home prices rose 5.3% year over year. And according to Case-Shiller, they rose 3.8% year over year. These are the two best ways to measure home price appreciation.
So what's the difference between the median home price and actual appreciation?
The median home price is the middle price point of homes sold. If more lower-priced homes are sold versus more expensive-priced homes in a given month, it will skew that median home price down. In fact the median home price can move lower even when home prices are appreciating, depending on the mix of sales.
But the media is making a big deal about this data and trying to scare people out of buying a home. That's what they've been trying to do for the past ten years and they've been wrong.
Don't listen to the negative media. Home appreciation, while modest, should be strong in the year ahead. Reach out to us today and learn how you can benefit at (949) 705-7702!
NMLS #1994723
#GoldenCoastLoans #lenderforlife #whoyouworkwithmatters
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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!
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.
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.
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.
Have Questions?
Feel free to contact us with any questions you may have!