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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13 hours ago
Golden Coast Loans

🏠💰 COULD THERE BE AN OPPORTUNITY BREWING IN REAL ESTATE? 💰🏠

Last year, the real estate market was so hot that many buyers had to pay over asking price and struggled to get favorable terms. Now, today’s housing market is allowing buyers more room for negotiation and discounts.

This sets the stage for a potential opportunity. There are signs that inflation is beginning to ease, and long-term rates tend to follow inflation. If interest rates decline, home prices would become affordable to more buyers.

At the same time, inventory levels remain well below historical averages. If the level of buying activity increases in a market with tight supply, prices will be well supported. And remember, there are ways to bring your payment down today with a temporary or permanent buydown.

Call us to review opportunities in your local market today (949) 705-7702!
... See MoreSee Less

🏠💰 COULD THERE BE AN OPPORTUNITY BREWING IN REAL ESTATE? 💰🏠

Last year, the real estate market was so hot that many buyers had to pay over asking price and struggled to get favorable terms. Now, today’s housing market is allowing buyers more room for negotiation and discounts.
 
This sets the stage for a potential opportunity. There are signs that inflation is beginning to ease, and long-term rates tend to follow inflation. If interest rates decline, home prices would become affordable to more buyers.
 
At the same time, inventory levels remain well below historical averages. If the level of buying activity increases in a market with tight supply, prices will be well supported. And remember, there are ways to bring your payment down today with a temporary or permanent buydown.
 
Call us to review opportunities in your local market today (949) 705-7702!
3 weeks ago
Golden Coast Loans

🇺🇸 Happy Veteran’s Day 🇺🇸

Thank you for your service to our country from our team at Golden Coast Loans!

(949) 705-7702
NMLS #1994723

#VAcashoutRefinance #GoldenCoastLoans
#WhoYouWorkWithMatters
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🇺🇸 Happy Veteran’s Day 🇺🇸  

Thank you for your service to our country from our team at Golden Coast Loans!

(949) 705-7702
NMLS #1994723

#VAcashoutRefinance #GoldenCoastLoans 
#WhoYouWorkWithMatters
4 weeks ago
Golden Coast Loans

⁉️🏘 WHAT THE RECENT FED HIKE COULD MEAN TO THE HOUSING MARKET🏘⁉️

To help fight inflation, the Federal Reserve has hiked its benchmark Fed Funds Rate six times this year including their most recent hike of 0.75% taking the Fed Funds Rate from 0.25% to now 4.0%. Remember, the Fed Funds Rate is the overnight borrowing rate for banks and does not directly affect mortgage rates.

What do Fed rate hikes mean for mortgage rates?

Raising the cost of borrowing on certain items slows the economy down and incentivizes savings rates, driving down demand and thus curbing 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.

If the market doesn’t believe the Fed can get inflation under control, we could see more volatility in mortgage rates. If you’re looking to purchase a home or refinance a mortgage reach out to us today (949) 705-7702. We can help you find the best opportunities in these uncertain times!

NMLS #1994723

#GoldenCoastLoans #WhoYouWorkWithMatters
... See MoreSee Less

⁉️🏘 WHAT THE RECENT FED HIKE COULD MEAN TO THE HOUSING MARKET🏘⁉️ 

To help fight inflation, the Federal Reserve has hiked its benchmark Fed Funds Rate six times this year including their most recent hike of 0.75% taking the Fed Funds Rate from 0.25% to now 4.0%. Remember, the Fed Funds Rate is the overnight borrowing rate for banks and does not directly affect mortgage rates.
 
What do Fed rate hikes mean for mortgage rates?
 
Raising the cost of borrowing on certain items slows the economy down and incentivizes savings rates, driving down demand and thus curbing 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.
 
If the market doesn’t believe the Fed can get inflation under control, we could see more volatility in mortgage rates. If you’re looking to purchase a home or refinance a mortgage reach out to us today (949) 705-7702. We can help you find the best opportunities in these uncertain times!

NMLS #1994723
  
#GoldenCoastLoans #WhoYouWorkWithMatters
2 months ago
Golden Coast Loans

🏠❗️ IS A 2-1 BUYDOWN RIGHT FOR YOU? ❗️🏠

We are certain you have seen throughout all of social media and mainstream media the teasing of the 2-1 Buydown loan program most lenders are advertising, promising a lower rate than the current market and as a way to circumvent the rising rate environment. What is this program, what are the benefits, and how does it work? Let’s discuss this as many are not aware that this program is not a new offering and has in fact been available for decades.

The 2-1 Buydown loan works just like a separate bank account, with your prepaid funds set aside at closing and a portion of those funds allocated to your monthly mortgage payment with a larger amount allocated during the first year and a lessor amount allocated the second year monthly. After the second year is completed, your mortgage payment increases based on the current market rate at the time of your original loan closing.

The benefit is you are able to ease into your mortgage payment with a gradual increase, however you are paying for this upfront at closing which will increase your funds to close due by several thousands to tens of thousands of dollars. The negative side of this program, in addition to the increased funds due at closing, is that you don’t have any control of these prepaid funds which means if you experience an emergency financial hardship you cannot access these funds since they are required to be allocated towards the monthly payment the first two years.

In many cases a permanent rate Buydown using the same amount of funds required for a 2-1 Buydown or having the seller pay all closing costs may be more beneficial for your personal scenario and allow you to build more wealth than a 2-1 Buydown.

We always recommend having an experienced loan officer give you all your options so you can make an educated decision for you and your family.

Give us a call at 949-705-7702 if you would like to review your options or for a second opinion!

NMLS #1994723

#21buydown #whoyouworkwithmatters #goldencoastloans
... See MoreSee Less

🏠❗️ IS A 2-1 BUYDOWN RIGHT FOR YOU? ❗️🏠

We are certain you have seen throughout all of social media and mainstream media the teasing of the 2-1 Buydown loan program most lenders are advertising, promising a lower rate than the current market and as a way to circumvent the rising rate environment. What is this program, what are the benefits, and how does it work? Let’s discuss this as many are not aware that this program is not a new offering and has in fact been available for decades.

The 2-1 Buydown loan works just like a separate bank account, with your prepaid funds set aside at closing and a portion of those funds allocated to your monthly mortgage payment with a larger amount allocated during the first year and a lessor amount allocated the second year monthly. After the second year is completed, your mortgage payment increases based on the current market rate at the time of your original loan closing.

The benefit is you are able to ease into your mortgage payment with a gradual increase, however you are paying for this upfront at closing which will increase your funds to close due by several thousands to tens of thousands of dollars. The negative side of this program, in addition to the increased funds due at closing, is that you don’t have any control of these prepaid funds which means if you experience an emergency financial hardship you cannot access these funds since they are required to be allocated towards the monthly payment the first two years.

In many cases a permanent rate Buydown using the same amount of funds required for a 2-1 Buydown or having the seller pay all closing costs may be more beneficial for your personal scenario and allow you to build more wealth than a 2-1 Buydown. 

We always recommend having an experienced loan officer give you all your options so you can make an educated decision for you and your family. 

Give us a call at 949-705-7702 if you would like to review your options or for a second opinion!
 
NMLS #1994723

#21buydown #whoyouworkwithmatters #goldencoastloans

Comment on Facebook

With rates at 7% you can lock in a sweet deal of 5 then 6 for the next 2 years then be locked lovingly into 7% down the road OR pay to refinance. When will people understand that these gimmicks are what sink ships?

2 months ago
Golden Coast Loans

🏠💥 RECENT FED HIKES & THE HOUSING MARKET 💥🏠

Recently, the Fed hiked the Fed Funds Rate by another 0.75%. This was the fifth rate hike of 2022 and the Fed also projects hiking another 1.25% this year which may mean another 0.75% hike in November and an additional 0.5% in December.

Remember, the Fed Funds Rate is the overnight borrowing rate for banks, and it is not the same as mortgage rates. 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 42-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, but if the market doesn’t believe the Fed can get control of inflation we could see more volatility in mortgage rates.

We are here to help you navigate these uncertain times and find you the best opportunities for a purchase or refinance. Give us a call today to discuss your financing options (949) 705-7702!

NMLS# 1994723
... See MoreSee Less

🏠💥 RECENT FED HIKES & THE HOUSING MARKET 💥🏠
 
Recently, the Fed hiked the Fed Funds Rate by another 0.75%. This was the fifth rate hike of 2022 and the Fed also projects hiking another 1.25% this year which may mean another 0.75% hike in November and an additional 0.5% in December. 
 
Remember, the Fed Funds Rate is the overnight borrowing rate for banks, and it is not the same as mortgage rates. 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 42-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, but if the market doesn’t believe the Fed can get control of inflation we could see more volatility in mortgage rates. 
 
We are here to help you navigate these uncertain times and find you the best opportunities for a purchase or refinance. Give us a call today to discuss your financing options (949) 705-7702!

NMLS# 1994723
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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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