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!

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Jumbo

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

Market Updates

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3 days ago
Golden Coast Loans

⛅️🏠 DON’T WAIT TO PURCHASE YOUR DREAM HOME 🏠⛅️

Mortgage rates have declined from the highs reached late last year. You may be wondering if you should wait for them to drop further before making a home purchase, let us explain why it may be more beneficial to act now instead.

We recently received December’s Pending Home Sales data which measures signed contracts on existing homes and this number came in better than expected. We’re also starting to see other housing sales figures improve like New Home Sales which means activity is picking up and will likely only increase from here.

Instead of waiting, a better tactic would be to purchase that home today while there is less competition and there is more room for negotiation. This will help you get the best deal and if rates do move lower, you can likely refinance your loan while benefiting today from the price savings.

Don't wait - give us a call today at (949) 705-7702 to discuss your options and opportunities. We are here to help you navigate your home buying journey.

NMLS #1994723

#GoldenCoastLoans #LenderForLife
... See MoreSee Less

⛅️🏠 DON’T WAIT TO PURCHASE YOUR DREAM HOME 🏠⛅️
 
Mortgage rates have declined from the highs reached late last year. You may be wondering if you should wait for them to drop further before making a home purchase, let us explain why it may be more beneficial to act now instead.
 
We recently received December’s Pending Home Sales data which measures signed contracts on existing homes and this number came in better than expected. We’re also starting to see other housing sales figures improve like New Home Sales which means activity is picking up and will likely only increase from here.
 
Instead of waiting, a better tactic would be to purchase that home today while there is less competition and there is more room for negotiation. This will help you get the best deal and if rates do move lower, you can likely refinance your loan while benefiting today from the price savings.
 
Dont wait - give us a call today at (949) 705-7702 to discuss your options and opportunities. We are here to help you navigate your home buying journey.
 
NMLS #1994723
 
#GoldenCoastLoans #LenderForLife
4 weeks ago
Golden Coast Loans

🏠⁉️ WHAT COULD A RECESSION MEAN FOR THE HOUSING MARKET? ⁉️🏠

The International Monetary Fund (or IMF) recently issued a warning that one-third of the global economy will be in a recession this year. While the U.S. may or may not be in a recession as of now, we have seen several recessionary indicators including a deeply inverted yield curve, declining leading economic indicators, and two consecutive negative quarters of GDP.

When people hear the word recession, they may think that home prices are likely to decline. History shows us that home values have done very well during and after 8 of the past 9 recessions. In fact, recessions have often proven to be a good buying opportunity.

Today’s market is the friendliest buyers' market in years. Contact us so we can help you explore these opportunities (949) 705-7702!

NMLS #1994723
... See MoreSee Less

🏠⁉️ WHAT COULD A RECESSION MEAN FOR THE HOUSING MARKET? ⁉️🏠
 
The International Monetary Fund (or IMF) recently issued a warning that one-third of the global economy will be in a recession this year. While the U.S. may or may not be in a recession as of now, we have seen several recessionary indicators including a deeply inverted yield curve, declining leading economic indicators, and two consecutive negative quarters of GDP.
 
When people hear the word recession, they may think that home prices are likely to decline. History shows us that home values have done very well during and after 8 of the past 9 recessions. In fact, recessions have often proven to be a good buying opportunity.
 
Today’s market is the friendliest buyers market in years. Contact us so we can help you explore these opportunities (949) 705-7702!

NMLS #1994723
1 month ago
Golden Coast Loans

🏠💰 NO HOUSING CRASH IN SIGHT!! 💰🏠

With a very limited inventory of available homes coupled with over a decade of tight lending standards, housing values will not nosedive like they did during the Great Recession.

An astonishing 41% of Americans think that the housing market is going to crash in the next 12 months, according to a survey conducted by LendingTree. Even more revealing is that 74% of those who believe there will be a crash think it will be as bad or worse than the “2008 housing market collapse”.

With so many convinced that a crash is inevitable, does that mean that housing will once again collapse?

Most across the nation recall watching the housing market take a brutal pounding during the Great Recession. So many homeowners were burned as values toppled and their equity vanished seemingly overnight. It either happened to everybody personally or they knew somebody who felt the severe impact of the downturn. It is understandable that whenever there is an economic slump, the general public immediately recalls the Great Recession and expects the housing market to tumble once again.

Everyone expected a housing crash in 2018 when rates rose from 4% to 5%, but it did not materialize. It did not crash after the initial lockdowns of COVID, yet so many were convinced otherwise. Once again, with mortgage rates moving higher, largely due to the stock market not performing based on fundamentals and political influence, listing prices on the decline, and a recession on the horizon, many Americans believe that the housing market is on the edge of a precipice and home values are about to plummet. Even though so many feel a housing crash is eminent and that it could be worse than the Great Recession, according to all the economic data, current trends, lending standards, and the health and strength of homeowners across the United States, there is no crash in sight, not now, not in the next 6 months, and not in the foreseeable future.

The number one reason why a crash will not occur is that there simply are not enough available homes to purchase. Today’s inventory is at 3,182 homes. While there were 57% fewer homes last year, 1,363, the 3-year average prior to COVID (2017 to 2019) is 4,988 homes, which is 57% more than today. The inventory has been stuck at anemic levels since the beginning of the pandemic. In comparing today’s supply to the two years leading up to the Great Recession, 2006 and 2007, the difference is stunning. The inventory peak in 2006 was 16,006 homes, and it was 17,898 in 2007. The 2021 peak was 2,537 and in 2022 it was 4,069. In sharp contrast to today’s inventory crisis with a lack of available homes, there was an inventory glut that led up to the Great Recession.

Call us today to discuss your ability to build your wealth through real estate (949) 705-7702!

NMLS: 1994723
... See MoreSee Less

🏠💰  NO HOUSING CRASH IN SIGHT!! 💰🏠

With a very limited inventory of available homes coupled with over a decade of tight lending standards, housing values will not nosedive like they did during the Great Recession. 
 
An astonishing 41% of Americans think that the housing market is going to crash in the next 12 months, according to a survey conducted by LendingTree. Even more revealing is that 74% of those who believe there will be a crash think it will be as bad or worse than the “2008 housing market collapse”. 
 
With so many convinced that a crash is inevitable, does that mean that housing will once again collapse?
 
Most across the nation recall watching the housing market take a brutal pounding during the Great Recession. So many homeowners were burned as values toppled and their equity vanished seemingly overnight. It either happened to everybody personally or they knew somebody who felt the severe impact of the downturn. It is understandable that whenever there is an economic slump, the general public immediately recalls the Great Recession and expects the housing market to tumble once again.
 
Everyone expected a housing crash in 2018 when rates rose from 4% to 5%, but it did not materialize. It did not crash after the initial lockdowns of COVID, yet so many were convinced otherwise. Once again, with mortgage rates moving higher, largely due to the stock market not performing based on fundamentals and political influence, listing prices on the decline, and a recession on the horizon, many Americans believe that the housing market is on the edge of a precipice and home values are about to plummet. Even though so many feel a housing crash is eminent and that it could be worse than the Great Recession, according to all the economic data, current trends, lending standards, and the health and strength of homeowners across the United States, there is no crash in sight, not now, not in the next 6 months, and not in the foreseeable future.
 
The number one reason why a crash will not occur is that there simply are not enough available homes to purchase. Today’s inventory is at 3,182 homes. While there were 57% fewer homes last year, 1,363, the 3-year average prior to COVID (2017 to 2019) is 4,988 homes, which is 57% more than today. The inventory has been stuck at anemic levels since the beginning of the pandemic. In comparing today’s supply to the two years leading up to the Great Recession, 2006 and 2007, the difference is stunning. The inventory peak in 2006 was 16,006 homes, and it was 17,898 in 2007. The 2021 peak was 2,537 and in 2022 it was 4,069. In sharp contrast to today’s inventory crisis with a lack of available homes, there was an inventory glut that led up to the Great Recession.

Call us today to discuss your ability to build your wealth through real estate (949) 705-7702!

NMLS: 1994723
2 months ago
Golden Coast Loans

Our 2022 Shopping for the Seasons at Strands was a huge success! We had so much fun sharing this evening with #msmillionairemixers, our affiliate partners, vendors and amazing friends old and new that attended. Looking forward to more events in 2023! Happy Holidays to all! ... See MoreSee Less

Our 2022 Shopping for the Seasons at Strands was a huge success! We had so much fun sharing this evening with #msmillionairemixers, our affiliate partners, vendors and amazing friends old and new that attended. Looking forward to more events in 2023! Happy Holidays to all!

Comment on Facebook

Sorry I missed it

2 months 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!
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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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