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

Comments Box SVG iconsUsed for the like, share, comment, and reaction icons
2 days ago
Golden Coast Loans

💸🏠 RECENT FED HIKE & THE EFFECT ON HOUSING 🏠💸

Recently, the Fed hiked the Fed Funds Rate by 0.75%. This was the third rate hike of the year and the Fed also projects hiking another 1.75% over the four meetings that remain this year.

Remember, the Fed Funds Rate is the overnight borrowing rate for banks and it is not the same as mortgage rates.

But you may be wondering: How does this move in the Fed Funds Rate affect mortgage rates?

Mortgage rates are primarily driven by inflation, which is at a 41-year high. When the Fed hikes the Fed Funds Rate, they are trying to slow the economy and curb inflation. If the Fed is successful in cooling inflation, mortgage rates should decline. History proves this during rate hike cycles for the past 50 years.

We are here to help you navigate these uncertain times and find you the best opportunities for a purchase or refinance. Reach out to us today (949) 705-7702!

NMLS #1994723
... See MoreSee Less

💸🏠 RECENT FED HIKE & THE EFFECT ON HOUSING 🏠💸

Recently, the Fed hiked the Fed Funds Rate by 0.75%.  This was the third rate hike of the year and the Fed also projects hiking another 1.75% over the four meetings that remain this year.  

Remember, the Fed Funds Rate is the overnight borrowing rate for banks and it is not the same as mortgage rates. 

But you may be wondering: How does this move in the Fed Funds Rate affect mortgage rates? 

Mortgage rates are primarily driven by inflation, which is at a 41-year high.  When the Fed hikes the Fed Funds Rate, they are trying to slow the economy and curb inflation.  If the Fed is successful in cooling inflation, mortgage rates should decline.  History proves this during rate hike cycles for the past 50 years. 

We are here to help you navigate these uncertain times and find you the best opportunities for a purchase or refinance. Reach out to us today (949) 705-7702!

NMLS #1994723
3 weeks ago
Golden Coast Loans

🔥🏠 ARE WE HEADED FOR A HOUSING CRASH??? 🏠🔥

The media has been throwing around the idea that we are headed for a housing crash. But is this really the case?

To answer this question, we need to look at the number one law of economics: SUPPLY vs DEMAND

DEMAND is measured by Household Formations, meaning someone is occupying a new property without relinquishing or selling one, like a kid who’s moving out of his parents’ house for the first time. Right now, in the US there are 1.4 million households being formed per year.

Then we have SUPPLY, which comes in the form of new construction. Here we look at Housing Completions, or homes ready to move into, which currently equals 1.2 million, after counting for those being replaced.

This means that demand for homes remains greater than available completed inventory or supply, which bodes well for home prices being supported.

How is your home appreciating? How can you leverage your equity to meet your financial goals? Can you qualify to purchase a home? Call us today to review your real estate financial goals (949) 705-7702!

NMLS# 1994723
... See MoreSee Less

🔥🏠 ARE WE HEADED FOR A HOUSING CRASH??? 🏠🔥

The media has been throwing around the idea that we are headed for a housing crash. But is this really the case?

To answer this question, we need to look at the number one law of economics: SUPPLY vs DEMAND

DEMAND is measured by Household Formations, meaning someone is occupying a new property without relinquishing or selling one, like a kid who’s moving out of his parents’ house for the first time.  Right now, in the US there are 1.4 million households being formed per year.  

Then we have SUPPLY, which comes in the form of new construction. Here we look at Housing Completions, or homes ready to move into, which currently equals 1.2 million, after counting for those being replaced.

This means that demand for homes remains greater than available completed inventory or supply, which bodes well for home prices being supported.

How is your home appreciating? How can you leverage your equity to meet your financial goals? Can you qualify to purchase a home? Call us today to review your real estate financial goals (949) 705-7702!

NMLS# 1994723
3 weeks ago
Golden Coast Loans

🔥🔥 HOUSING IS STILL 🔥🔥

The National Case-Shiller Home Price Index (which is considered the “gold standard” for appreciation) showed home prices rose 2.6% in March and 20.6% year over year, which is an increase from 19.8% in the previous report. The hottest markets are as follows: Tampa: 34.8% Phoenix: 32.4% Miami: 32% While this is a dated report, it shows no signs of appreciation slowing down as of March. If you were to annualize the monthly gain it would be over 30% for the year! This report does not fully take into account the rise in interest rates, so we will know where we are in the coming months. It’s so strong through March that it’s supportive of our thoughts that we will see the gains slow but not decreases in pricing.

Call us today to discuss your real estate financing needs, any questions on the market, or planning your real estate portfolio at (949) 705-7702!
... See MoreSee Less

🔥🔥 HOUSING IS STILL 🔥🔥

The National Case-Shiller Home Price Index (which is considered the “gold standard” for appreciation) showed home prices rose 2.6% in March and 20.6% year over year, which is an increase from 19.8% in the previous report. The hottest markets are as follows: Tampa: 34.8% Phoenix: 32.4% Miami: 32% While this is a dated report, it shows no signs of appreciation slowing down as of March. If you were to annualize the monthly gain it would be over 30% for the year! This report does not fully take into account the rise in interest rates, so we will know where we are in the coming months. It’s so strong through March that it’s supportive of our thoughts that we will see the gains slow but not decreases in pricing.

Call us today to discuss your real estate financing needs, any questions on the market, or planning your real estate portfolio at (949) 705-7702!
1 month ago
Golden Coast Loans

🏠💰❗️FED HIKES & MORTGAGE RATES ❗️💰🏠

Recently, the Fed hiked the Fed Funds Rate by 0.5%. This was the second rate hike of the year, with the first being 0.25%.
The Fed has also told us that we can expect two more 0.5% hikes by the end of July.

Inflation has been rising, so the Fed is hiking rates to combat this. This rapid rise in inflation has pushed mortgage rates higher. Interestingly, as the Fed hikes rates to slow the economy, inflation should subside, which will likely cause mortgage rates to ease towards the end of the year.

Despite rising rates, market volatility, and low inventory, homeownership reigns as one of the best ways to build wealth. You are making a mortgage payment every month - it’s either yours or your landlord's.

Give us a call at (949) 705-7702 to discuss your personal financial plan to the path to homeownership or how to leverage your home to meet your financial needs!

NMLS #1994723

#goldencoastloans #whoyouworkwithmatters
... See MoreSee Less

🏠💰❗️FED HIKES & MORTGAGE RATES ❗️💰🏠

Recently, the Fed hiked the Fed Funds Rate by 0.5%.  This was the second rate hike of the year, with the first being 0.25%.
The Fed has also told us that we can expect two more 0.5% hikes by the end of July.

Inflation has been rising, so the Fed is hiking rates to combat this. This rapid rise in inflation has pushed mortgage rates higher.  Interestingly, as the Fed hikes rates to slow the economy, inflation should subside, which will likely cause mortgage rates to ease towards the end of the year. 

Despite rising rates, market volatility, and low inventory, homeownership reigns as one of the best ways to build wealth. You are making a mortgage payment every month - it’s either yours or your landlords.

Give us a call at (949) 705-7702 to discuss your personal financial plan to the path to homeownership or how to leverage your home to meet your financial needs!

NMLS #1994723

#goldencoastloans #whoyouworkwithmatters
Load more

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!

Scroll to Top