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!

about golden coast loans

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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4 days ago
Golden Coast Loans

🏠🔥HOME VALUES CONTINUE TO MOVE UP!🔥🏠

The Case Shiller Home Price Index, which is the “gold standard” for appreciation, showed that home prices rose 0.2% in December. Home prices have been on the rise since January and are now up 5.6% from last year. Case Shiller has continued to set new all-time highs in home prices as of July. Since 2019, Case Shiller is reporting that home values have risen 46%!

The FHFA (Federal Housing Finance Agency) released their House Price Index, which measures home price appreciation on single-family homes with conforming loan amounts. Different than Case Shiller, it does not include cash buyers or jumbo loans. The FHFA reported that prices rose 0.1% in December and are up 6.6% year over year. FHFA has continued to set new record highs in home prices every consecutive month since February 2023.

With the December numbers now in for all of our appreciation reports that we track, here is how 2023 finished up for home appreciation:

Case Shiller: 5.6%
FHFA: 6.6%
CoreLogic: 5.5%
Black Knight: 5.6%

Real estate again proves be a great investment. The best time to buy real estate was yesterday, the second best time is today. Give us a call to discuss your real estate financing and investment strategy at (949) 705-7702!

NMLS #1994723

#GoldenCoastLoans #WealthThroughRealEstate #LenderForLife
... See MoreSee Less

🏠🔥HOME VALUES CONTINUE TO MOVE UP!🔥🏠
 
The Case Shiller Home Price Index, which is the “gold standard” for appreciation, showed that home prices rose 0.2% in December. Home prices have been on the rise since January and are now up 5.6% from last year. Case Shiller has continued to set new all-time highs in home prices as of July. Since 2019, Case Shiller is reporting that home values have risen 46%!
 
The FHFA (Federal Housing Finance Agency) released their House Price Index, which measures home price appreciation on single-family homes with conforming loan amounts. Different than Case Shiller, it does not include cash buyers or jumbo loans. The FHFA reported that prices rose 0.1% in December and are up 6.6% year over year. FHFA has continued to set new record highs in home prices every consecutive month since February 2023.
 
With the December numbers now in for all of our appreciation reports that we track, here is how 2023 finished up for home appreciation:
 
Case Shiller: 5.6%
FHFA: 6.6%
CoreLogic: 5.5%
Black Knight: 5.6%
 
Real estate again proves be a great investment. The best time to buy real estate was yesterday, the second best time is today. Give us a call to discuss your real estate financing and investment strategy at (949) 705-7702!
 
NMLS #1994723
 
#GoldenCoastLoans #WealthThroughRealEstate #LenderForLife
2 weeks ago
Golden Coast Loans

💰 HOW INFLATION EFFECTS YOUR FAMILY 💰

We are hearing about inflation and the economy nonstop on social media, the news, and through political speeches. This is a macroeconomic phenomenon that affects all of us but how is it affecting you and your family? First we must break down how inflation impacts our personal finances to understand the current economic environment.

Before diving into protective strategies, let’s grasp the concept of inflation. Inflation is when there is a gradual increase in the prices of goods and services over time. When inflation occurs, each currency unit (such as the US dollar) can purchase fewer goods and services than it did previously. In essence, your purchasing power diminishes as inflation rises.

Here are some ways on how this affects all of us:

• Reduced purchasing power
• Savings erosion
• Increased cost of living
• Debt burden

Inflation is a natural part of any economy. Central banks aim to maintain a moderate level of inflation (usually around 2% in developed countries) to stimulate economic growth. However, when inflation exceeds this target, it can deplete the value of your savings and impact your family’s financial stability.

Here are a few ways how can you hedge your finances against inflation:

• Diversify your investments through real estate
• Invest in income-generating assets through real estate
• Ask your employer annually for cost of living raises

Let’s also discuss how to protect your housing costs from rising inflation through owning real estate. Call or text us at (949) 705-7702 for more information!

NMLS# 1994723

#GoldenCoastLoans #WealthThroughRealEstate #LenderForLife
... See MoreSee Less

💰 HOW INFLATION EFFECTS YOUR FAMILY 💰
 
We are hearing about inflation and the economy nonstop on social media, the news, and through political speeches. This is a macroeconomic phenomenon that affects all of us but how is it affecting you and your family? First we must break down how inflation impacts our personal finances to understand the current economic environment.
 
Before diving into protective strategies, let’s grasp the concept of inflation. Inflation is when there is a gradual increase in the prices of goods and services over time. When inflation occurs, each currency unit (such as the US dollar) can purchase fewer goods and services than it did previously. In essence, your purchasing power diminishes as inflation rises.
 
Here are some ways on how this affects all of us:

• Reduced purchasing power
• Savings erosion
• Increased cost of living
• Debt burden
 
Inflation is a natural part of any economy. Central banks aim to maintain a moderate level of inflation (usually around 2% in developed countries) to stimulate economic growth. However, when inflation exceeds this target, it can deplete the value of your savings and impact your family’s financial stability.
 
Here are a few ways how can you hedge your finances against inflation:

• Diversify your investments through real estate 
• Invest in income-generating assets through real estate
• Ask your employer annually for cost of living raises
 
Let’s also discuss how to protect your housing costs from rising inflation through owning real estate. Call or text us at (949) 705-7702 for more information!
 
NMLS# 1994723
 
#GoldenCoastLoans #WealthThroughRealEstate #LenderForLife
3 weeks ago
Golden Coast Loans

🏠💰❗️ HOME VALUES AFTER 10 YEARS ❗️💰🏠

Talk about a winning record! Buying a home and holding it for 10 years has earned a profit every year except one since 1942. Just look at those returns, too!

Housing builds significant, long-term wealth and continues to demonstrate its strength as an investment. Waiting to time the market has proven to be a losing course of action. The best time to buy was yesterday, the next best time to build your real estate portfolio is to start today.

Give us a call to discuss your wealth building strategy through real estate at (949) 705-7702!

NMLS #1994723

#GoldenCoastLoans #WealthThroughRealEstate #LenderForLife
... See MoreSee Less

🏠💰❗️ HOME VALUES AFTER 10 YEARS ❗️💰🏠

Talk about a winning record! Buying a home and holding it for 10 years has earned a profit every year except one since 1942. Just look at those returns, too! 

Housing builds significant, long-term wealth and continues to demonstrate its strength as an investment. Waiting to time the market has proven to be a losing course of action. The best time to buy was yesterday, the next best time to build your real estate portfolio is to start today.

Give us a call to discuss your wealth building strategy through real estate at (949) 705-7702!

NMLS #1994723
 
#GoldenCoastLoans #WealthThroughRealEstate #LenderForLife
4 weeks ago
Golden Coast Loans

💸❗️OUTLOOK FOR MORTGAGE RATES❗️💸

Mortgage Rates have improved considerably from their peak of 8%, the trajectory this year will be highly influenced by the path of inflation and the Federal Reserve’s actions.

After the Fed hiking rates at one of the fastest paces we have ever seen in history in an attempt to reduce very high inflation, we now see the trying to anticipate when the Fed will begin cutting rates and slow the reduction of their balance sheet as both of these actions should help lower Mortgage Rates.

One of the most important items the Fed is watching, Core Personal Consumption Expenditures (PCE, their preferred measure of inflation), will need to move confidently towards their 2% target to ease the hiking actions. The most recent inflation reading shows that Core inflation is at 2.9% which still is above the Fed’s target, but the recent 6-month pace is trending at 1.85% on an annual basis and shows that inflation is heading where the Fed wants as it will likely just take some time.

The market is expecting that the Fed should start cutting rates at their May 1 meeting. If this translates to lower mortgage rates, the additional home buying interest would most likely support home prices rising further and increased purchasing power at lower rates.

Real estate remains one of the best wealth building investments. Let’s discuss your real estate wealth building strategy today by calling us at (949) 705-7702!

NMLS #1994723

#GoldenCoastLoans #WealthThroughRealEstate #LenderForLife
... See MoreSee Less

💸❗️OUTLOOK FOR MORTGAGE RATES❗️💸
 
Mortgage Rates have improved considerably from their peak of 8%, the trajectory this year will be highly influenced by the path of inflation and the Federal Reserve’s actions.
 
After the Fed hiking rates at one of the fastest paces we have ever seen in history in an attempt to reduce very high inflation, we now see the trying to anticipate when the Fed will begin cutting rates and slow the reduction of their balance sheet as both of these actions should help lower Mortgage Rates.
 
One of the most important items the Fed is watching, Core Personal Consumption Expenditures (PCE, their preferred measure of inflation), will need to move confidently towards their 2% target to ease the hiking actions. The most recent inflation reading shows that Core inflation is at 2.9% which still is above the Fed’s target, but the recent 6-month pace is trending at 1.85% on an annual basis and shows that inflation is heading where the Fed wants as it will likely just take some time.
 
The market is expecting that the Fed should start cutting rates at their May 1 meeting.  If this translates to lower mortgage rates, the additional home buying interest would most likely support home prices rising further and increased purchasing power at lower rates.
 
Real estate remains one of the best wealth building investments. Let’s discuss your real estate wealth building strategy today by calling us at (949) 705-7702!
 
NMLS #1994723
 
#GoldenCoastLoans #WealthThroughRealEstate #LenderForLife
1 month ago
Golden Coast Loans

🏠💰Homebuyers Having A Surge Of Increasing Purchasing Power!💰🏠

Homebuyers on a $3,000 monthly housing budget have gained nearly $40,000 in purchasing power since mortgage rates peaked per recent Redfin data released. Redfin economists predict mortgage rates will end the year lower than they started, but the path is likely to be bumpy. We’re keeping an eye on next week’s Fed meeting to provide more clues on how soon they will cut interest rates. It could be as soon as March, but it’s likely to be later into the summer.

“My advice to serious house hunters: Trying to time the market around mortgage rates is probably a waste of energy, as affordability is unlikely to change meaningfully in the next several months,” said Redfin Chief Economist Daryl Fairweather. “Instead buyers should consider their own personal and financial circumstances. What matters most is whether the home meets your needs long term and whether you can afford it. Timing the market mattered in 2021, when we were in a golden window of record-low rates–but that window is closed.”

Let’s discuss your road to wealth through real estate, call us at (949) 705-7702!

NMLS #1991473

#GoldenCoastLoans #WealthThroughRealEstate #LenderForLife
... See MoreSee Less

🏠💰Homebuyers Having A Surge Of Increasing Purchasing Power!💰🏠

Homebuyers on a $3,000 monthly housing budget have gained nearly $40,000 in purchasing power since mortgage rates peaked per recent Redfin data released. Redfin economists predict mortgage rates will end the year lower than they started, but the path is likely to be bumpy. We’re keeping an eye on next week’s Fed meeting to provide more clues on how soon they will cut interest rates. It could be as soon as March, but it’s likely to be later into the summer.

“My advice to serious house hunters: Trying to time the market around mortgage rates is probably a waste of energy, as affordability is unlikely to change meaningfully in the next several months,” said Redfin Chief Economist Daryl Fairweather. “Instead buyers should consider their own personal and financial circumstances. What matters most is whether the home meets your needs long term and whether you can afford it. Timing the market mattered in 2021, when we were in a golden window of record-low rates–but that window is closed.” 

Let’s discuss your road to wealth through real estate, call us at (949) 705-7702!
 
NMLS #1991473

#GoldenCoastLoans #WealthThroughRealEstate #LenderForLife
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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!