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.
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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!
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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
🏠💰 TIME OF MAXIMUM PESSIMISM IS THE BEST TIME TO BUY AND IT’S NOW!! 🏠💰
There is some pessimistic talk about housing these days, let us tell you why we think it’s a great time to buy.
The most recent report on existing home sales showed that closing transactions were down slightly in January. However the same report also showed that the inventory of available homes is at very low levels.
There are currently fewer than 1 million homes in inventory at this time compared with 4 million homes that were in inventory back in 2007, meanwhile, the U.S. population has grown by close to 30 million - a deeper look at the report shows that many of the homes reported as inventory are already under contract and therefore unavailable for purchase.
If inflation trends slow, we could see more favorable mortgage rates which would create more available buyers in a tight inventory environment and that could be very supportive of pricing.
All things considered, the opportunity in this market appears to be very favorable!
Legendary investor Sir John Templeton said it best, “The time of maximum pessimism is the best time to buy.”
Call us today at (949) 705-7702 to discuss your real estate wealth opportunities!
NMLS# 1994723
#GoldenCoastLoans #LenderforLife
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🫧🏘CORELOGIC DATA SHOWS NO HOUSING BUBBLE🏘🫧
CoreLogic released their Home Price Index for December, showing that home prices declined 0.4% nationwide but are still up 6.9% from this time last year.
CoreLogic forecasts that home prices will decline 0.2% in January but will increase 3% in the year going forward.
In total, CoreLogic reported that home prices have only declined 3% from their peak, not exactly a housing bubble. This comes after 121 months of straight gains in home prices! They also believe that home prices will rise 3% in 2023 which is meaningful for wealth creation.
Call us today to start your path towards home ownership at 949-705-7702!
NMLS #1994723
#GoldenCoastLoans #LenderForLife #WhoYouWorkWithMatters
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⛅️🏠 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
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🏠⁉️ 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
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🏠💰 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
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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!