The Gold Standard of Home Loans

Golden Coast Loans

3 days ago

🏠 💰MORTGAGE RATES: MYTHS DEBUNKED💰🏠

Mortgage rates frequently grab headlines but the media rarely tells the whole story especially when it comes to California real estate. This in turn leads buyers and sellers to make real estate decisions based on presumptions that realistically do not reflect what is actually happening in today’s market or their local market. Let’s debunk some of those myths so you can remain informed:

1) I NEED TO WAIT FOR RATES TO DROP BEFORE I BUY
When rates ease more buyers enter the market and increase competition causing purchase prices to increase. The “buy now refinance later” strategy makes the most sense as you cannot refinance a home you never secured in the first place.

2) A LOWER RATE ALWAYS MEANS A LOWER PAYMENT
A slightly higher rate on a lower-priced home can be more affordable than a rock-bottom rate on a more expensive purchase price.

3) THE RATE I SEE ONLINE IS THE RATE I SHOULD GET
Advertised rates are based on ideal lending scenarios defined by each individual investor’s lending appetite at the time. Your actual rate you qualify for depends on your credit profile, down payment, loan type, and location.

4) RATES ARE TOO HIGH NOW TO MAKE BUYING WORTHWHILE
Rates currently feel high due to the unprecedented socioeconomic climate we experienced over the past several years. Historically, current rates are not extreme at all and remain at all-time lows. What matters most is whether your monthly payment fits your budget and whether the home you want to purchase or own fits your long-term goals.

We are here to advise, help with your financial needs, and discuss any questions you may have to put you on the path to homeownership or financial benefits through refinancing. Call us today at (949) 705-7702! NMLS #1994723 ... See MoreSee Less

Golden Coast Loans

1 week ago

Our Golden Coast Loans family wishes you and your loved ones a very Happy New Year and prosperous 2026! ... See MoreSee Less

Golden Coast Loans

2 weeks ago

Our Golden Coast Loans family wishes you and your loved ones a very Merry Christmas! ... See MoreSee Less

Golden Coast Loans

3 weeks ago

🏠💰HOW TO BECOME A MILLIONAIRE💰🏠

Many mistakenly believe that there is a way to build wealth and financial security in America on an ordinary income and become a millionaire. It is further important to note that you can also be penniless on an extraordinary income.

Many financial experts agree that In order to become a millionaire in America today you have to own a home. You can’t get rich renting and there’s been a mindset of people thinking that it is cheaper to rent than own. They advise that homeownership is one of the primary drivers of building wealth and if you do not own real estate you will get left behind.

Real estate values have gone up fourfold over the past 20 years on average, keeping in mind that real estate has always been local, not national.

When you rent, no one is absorbing the expenses that you think you are saving. The landlord that owns the home you are renting is passing their ownership expenses on to you including taxes, insurance, and maintenance while building equity and their wealth in their property.

Ultimately, rents always go higher over the long-term. The only party that gets rich in the transaction is the person who owns the real estate.

We are here to advise, help with your financial needs, and discuss any questions you may have to put you on the path to homeownership and the road to becoming a millionaire. Call us today at (949) 705-7702!

NMLS #1994723

#GoldenCoastLoans #LegacyWealthThroughRealEstate #WhoYouWorkWithMatters #MoneyMyths ... See MoreSee Less

Golden Coast Loans

1 month ago

🏠💰BUYING A HOME IN 2026💰🏠

If you are currently renting, you are paying someone else’s mortgage while they reap the benefits of tax deductions while building home equity.

As a renter, how can you prepare to purchase your own home and experience these benefits for yourself?

Currently your monthly rent payments are not reflected on your credit report and your credit score plays a substantial role in your financing options when purchasing a home. There is now a new tool that can be used to add your rent payments to your credit report and those on time payments will not only boost your credit score but also will then assist you in your home purchase.

Since this tool was launched in 2024 it has helped over 124,000 buyers purchase a home and start building their legacy wealth through real estate.

Early preparation today can pay off big tomorrow in financial flexibility. You are also setting yourself up for stronger loan options for homeownership opportunity.

We are here to advise and help with your financial needs and would be happy to discuss any questions you may have. Call us today at (949) 705-7702!

NMLS #1994723

#GoldenCoastLoans #LegacyWealthThroughRealEstate #BurstTheHousingBubbleFear #WhoYouWorkWithMatters #RealEstateMarketUpdate #LeverageHomeEquity #MoneyMyths #InterestOnly #FedRateCuts #MarketKnowledge #CashOutRefinance #DownPaymentAssistance #SpringBuyingSeason #FixCreditErrors #RefinanceNow #ReverseMortgage #EscrowShortage #FirstTimeHomeBuyers #DoNotCallList #2025RealEstateMarket #NonWarrantableCondos #50YearMortgage ... See MoreSee Less