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!

Specializing in California Home Loans
We’ve simplified the process to give you a hassle-free experience with your home loan.Â
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Purchase Loans
Home purchase loans with today’s great mortgage rates to make your dream home affordable.
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Refinance Loans
Refinance your loan with today’s super low interest rates and save on your monthly payments today!Â
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VA Loans
We help active duty and veterans with their dream homes!
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FHA Loans
First time buyer? No problem. Get into your dream home at today’s low rates!
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Reverse Mortgage
We help put money into your hands when you need it most.
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Bank Statement
We help self-employed clients qualify for a home loan!
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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
🏠💰HOMEOWNERSHIP & NET WORTHđź’°đźŹ
Did you know that the average homeowner’s net worth is 42 times that of a renter? Homeownership builds significant long term wealth and is a strategic move towards securing your financial future.
When weighing your housing options, simply comparing the monthly payments of renting versus owning does not adequately assess the added benefits of homeownership including tax benefits, appreciation, and the ability to leverage equity which can be used to manage high interest debt or fund life’s needs and wants with the peace of mind that comes with a fixed monthly mortgage payment.
Owning real estate affords you the opportunity to make money while you sleep. Call us today to discuss your wealth management strategy through real estate at (949) 705-7702!
NMLS #1994723
#GoldenCoastLoans #LegacyWealthThroughRealEstate #BurstTheHousingBubbleFear #WhoYouWorkWithMatters #RealEstateMarketUpdate #LeverageHomeEquity #MoneyMyths #FedRateCuts #MarketKnowledge #MedicalDebtAndCredit #CashOutRefinance
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🏠💰SHAVE YEARS OFF YOUR LOANSđź’°đźŹ
Many consumers have amassed a large amount of debt, while also paying much higher rates of interest as a result of the Fed’s aggressive rate hikes over recent years. According to a new report from the Philadelphia Fed, a growing number of consumers are only making the minimum payments on their current debt, which provides no path to actually paying off the debt. At the same time, most homeowners have record levels of equity in their homes.
Many homeowners are benefiting from a type of refinance where we leverage the equity in the home to pay off those high interest debts, saving money on the overall monthly payments. Additionally, there are ways to gain equity at an accelerated pace and significantly shorten the length of your mortgage, by applying those savings as an additional payment each month.
Real estate allows you to make money while you sleep. Call us today to discuss your wealth management strategy through real estate at (949) 705-7702!
NMLS #1994723
#GoldenCoastLoans #LegacyWealthThroughRealEstate #BurstTheHousingBubbleFear #WhoYouWorkWithMatters #RealEstateMarketUpdate #LeverageHomeEquity #MoneyMyths #FedRateCuts #MarketKnowledge #MedicalDebtAndCredit #CashOutRefinance
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❗️💰 CASH OUT REFINANCES IMPROVE YOUR CREDIT 💰❗️
The CFPB just reported that financial outcomes are better for those who obtain a cash-out refinance. Additionally, paying off debt could also improve your credit score which leads to better future financial opportunities.
A cash-out refinance lets homeowners tap into their equity to pay off other debts or fund family necessities or investments. This study further reported that cash-out refinance borrowers had sharp improvements to both their debt loads and credit scores at the time of the refinance.
Real estate allows you to make money while you sleep. Call us today to discuss your wealth management strategy through real estate at (949) 705-7702!
NMLS #1994723
#GoldenCoastLoans #LegacyWealthThroughRealEstate #BurstTheHousingBubbleFear #WhoYouWorkWithMatters #RealEstateMarketUpdate #LeverageHomeEquity #MoneyMyths #FedRateCuts #MarketKnowledge #MedicalDebtAndCredit #CashOutRefinance
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❓🏠STARTER HOME DISAPPEARING🏠❓
First-time homebuyers may struggle to find their own starter homes as we approach the 2025 Spring buying season.
The houses that once allotted the American Dream as a stepping stone into building wealth through real estate are now disappearing.
Builders are now focused on building new homes that are out of reach for the first time home buyer in terms of square footage and sales price. With many existing homeowners enjoying the benefits of the low interest rates secured during the pandemic, they are unwilling to sell which again limits supply.
Real estate prices continue to rise an average of 7% across the country year after year. We can give you a local look and discuss your personalized strategy for building wealth through real estate.
The best time to buy real estate was yesterday. The second best time is today. Call us today at (949) 705-7702!
NMLS #1994723
#GoldenCoastLoans #LegacyWealthThroughRealEstate #BurstTheHousingBubbleFear #WhoYouWorkWithMatters #RealEstateMarketUpdate #LeverageHomeEquity #MoneyMyths #FedRateCuts #MarketKnowledge #MedicalDebtAndCredit
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🏥💰 MEDICAL DEBT BANNED FROM CREDIT REPORTING 💰🏥
The CFPB earlier this week finalized its rule barring medical debt from being included on credit reports, which will potentially free up billions in credit.
This new rule will prevent medical bills from being included on credit reports used by lenders and will prohibit lenders from using medical information in their decision making.
This opens up new borrowing opportunities for consumers who have previously been denied credit due to these factors. Whether you are looking to purchase or refinance, let’s discuss how you could benefit from this new rule and discuss your financial wealth building strategy through real estate.
Call us today at (949) 705-7702!
NMLS #1994723
#GoldenCoastLoans #LegacyWealthThroughRealEstate #BurstTheHousingBubbleFear #WhoYouWorkWithMatters #RealEstateMarketUpdate #LeverageHomeEquity #MoneyMyths #FedRateCuts #MarketKnowledge #MedicalDebtAndCredit
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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!
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.
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.
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.
Have Questions?
Feel free to contact us with any questions you may have!