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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4 days ago
Golden Coast Loans

9 DAY CLOSING ON A PURCHASE!

Who you work with matters!

Call us today to discuss your real estate financing needs and goals.

(949) 705-7702
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2 weeks ago
Golden Coast Loans

TOP 5 REASONS TO CONSIDER A REFINANCE TODAY:

❶ Rates are slowly climbing but remain at historical lows. Despite the media’s spin, rates are only 4bps higher than this time last year. While analysts continue to predict upcoming rises, now is still a great time to take advantage of the historically low cost of borrowing.
❷ Rising home prices also means rising home values for current homeowners. With the low cost of financing and increasing equity in your home it is an advantageous time to consolidate higher interest debt, make improvements to your home or use some of your equity to make that large purchase you have been dreaming of.
❸ You’re a better borrower than you were last year. As we emerge from the pandemic and the economy continues to grow, so are wages which makes your ability to qualify even stronger. Don’t fret if your income took a negative hit due to the pandemic, we now have COVID-19 loan programs designed for those borrowers whose income was affected.
❹ Mortgage credit is more available now than it was last year. Lending guidelines have loosened and expanded the availability of credit that was impacted like so many other factors by COVID-19. The 50bps adverse market fee added to refinances last year has been removed so now is an even better time to refinance than last year. Even if you refinanced last year, it may be beneficial for you to do so again right now.
❺ Combining all of the factors above … the low cost of financing, rising property values, your wealth building strategy including leveraging your equity for the ability to lower monthly payments or finance large projects/purchases as well as the availability of credit and new loan programs … it is a no brainer that NOW is a fantastic time to discuss your real estate financing.

Call us today to explore your options (949) 705-7702!
... See MoreSee Less

TOP 5 REASONS TO CONSIDER A REFINANCE TODAY:

❶ Rates are slowly climbing but remain at historical lows. Despite the media’s spin, rates are only 4bps higher than this time last year. While analysts continue to predict upcoming rises, now is still a great time to take advantage of the historically low cost of borrowing. 
❷ Rising home prices also means rising home values for current homeowners. With the low cost of financing and increasing equity in your home it is an advantageous time to consolidate higher interest debt, make improvements to your home or use some of your equity to make that large purchase you have been dreaming of.
❸ You’re a better borrower than you were last year. As we emerge from the pandemic and the economy continues to grow, so are wages which makes your ability to qualify even stronger. Don’t fret if your income took a negative hit due to the pandemic, we now have COVID-19 loan programs designed for those borrowers whose income was affected.
❹ Mortgage credit is more available now than it was last year. Lending guidelines have loosened and expanded the availability of credit that was impacted like so many other factors by COVID-19. The 50bps adverse market fee added to refinances last year has been removed so now is an even better time to refinance than last year. Even if you refinanced last year, it may be beneficial for you to do so again right now.
❺ Combining all of the factors above … the low cost of financing, rising property values, your wealth building strategy including leveraging your equity for the ability to lower monthly payments or finance large projects/purchases as well as the availability of credit and new loan programs … it is a no brainer that NOW is a fantastic time to discuss your real estate financing.

Call us today to explore your options (949) 705-7702!
1 month ago
Golden Coast Loans

🔥🏠 DON'T BELIEVE THE MEDIA'S HYPE ~ HOUSING SHOWS NO SIGNS OF SLOWING: IT'S SIMPLE SUPPLY vs DEMAND 🏠🔥

Next week will be highlighted by housing data with Existing Home Sales and New Home Sales figures being released. Industry experts expect the data to show Existing Home Sales are falling slightly while New Home Sales are rising moderately.

Despite what the media is saying these figures are being affected by a lack of supply, not by a lack of demand. In terms of supply, the latest figures show that there will be an undersupply of 4.35 Million homes by the end of the year and this gap will continue to widen by 370,000 every year.

In terns of demand, Redfin reported the median days on market for a home was 15 days in July and 60% of homes sold in bidding wars.

Because of the strong demand and tight supply, we have seen appreciation accelerate each month over the last 12. What a fantastic time to be a homeowner!!

Whether you currently own a home and want to explore your options with your increasing equity or you are looking to purchase give us a call today to discuss the current market, historically low interest rates and your real estate wealth plans at (949) 705-7702.
... See MoreSee Less

🔥🏠 DONT BELIEVE THE MEDIAS HYPE ~ HOUSING SHOWS NO SIGNS OF SLOWING: ITS SIMPLE SUPPLY vs DEMAND 🏠🔥

Next week will be highlighted by housing data with Existing Home Sales and New Home Sales figures being released. Industry experts expect the data to show Existing Home Sales are falling slightly while New Home Sales are rising moderately. 

Despite what the media is saying these figures are being affected by a lack of supply, not by a lack of demand. In terms of supply, the latest figures show that there will be an undersupply of 4.35 Million homes by the end of the year and this gap will continue to widen by 370,000 every year.

In terns of demand, Redfin reported the median days on market for a home was 15 days in July and 60% of homes sold in bidding wars. 

Because of the strong demand and tight supply, we have seen appreciation accelerate each month over the last 12. What a fantastic time to be a homeowner!!

Whether you currently own a home and want to explore your options with your increasing equity or you are looking to purchase give us a call today to discuss the current market, historically low interest rates and your real estate wealth plans at (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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