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!

.08

Jumbo

First time buyer? No problem. Get into your dream home at today’s low rates!

Market Updates

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5 days ago
Golden Coast Loans

💰🏠 PUT YOUR HOME EQUITY TO WORK FOR YOU! 🏠💰

Just about all measures suggest that home values have appreciated by a great deal. Estimates are for gains of 20 to 30 percent in home equity. That's a lot of wealth that could be used to consolidate debt.

Proper use of debt consolidation could cut many years off the term of your mortgage, increase cash flow, and build a huge amount of equity to be used in the future. This is possible even if the interest rate on a new mortgage loan is higher than the current rate on your existing mortgage.

Now is the time for us to talk so we can evaluate what the possibilities are for you to tap into that equity and utilize it to reduce your debts and consolidate them – and perhaps even save many years of mortgage payments.

Contact us today and let’s get started! (949) 705-7702
... See MoreSee Less

💰🏠 PUT YOUR HOME EQUITY TO WORK FOR YOU! 🏠💰

Just about all measures suggest that home values have appreciated by a great deal.  Estimates are for gains of 20 to 30 percent in home equity.  Thats a lot of wealth that could be used to consolidate debt.

Proper use of debt consolidation could cut many years off the term of your mortgage, increase cash flow, and build a huge amount of equity to be used in the future.  This is possible even if the interest rate on a new mortgage loan is higher than the current rate on your existing mortgage.

Now is the time for us to talk so we can evaluate what the possibilities are for you to tap into that equity and utilize it to reduce your debts and consolidate them – and perhaps even save many years of mortgage payments.

Contact us today and let’s get started! (949) 705-7702
4 weeks ago
Golden Coast Loans

💰 FED TAPER, INFLATION & RATES 💰

The Federal Reserve has been buying $120 billion worth of Mortgage Bonds and Treasuries each month in an effort to keep interest rates low. Lower rates often promote borrowing and stimulate the economy. These purchases have greatly influenced lower interest rates over the past year and a half.

At their last meeting on November 3rd, the Fed announced they will start to taper or reduce those purchases each month. As the Fed begins purchasing less, there is a potential risk that interest rates may not stay as low in the coming months. Additionally, recent fears of rising inflation may nudge interest rates higher.

Currently, interest rates are still extremely attractive. If you are considering purchasing a home or refinancing your current mortgage, now may present a good opportunity to do so.

Give us a call today at (949) 705-7702 to discuss your personal financing options.
... See MoreSee Less

💰 FED TAPER, INFLATION & RATES 💰

The Federal Reserve has been buying $120 billion worth of Mortgage Bonds and Treasuries each month in an effort to keep interest rates low. Lower rates often promote borrowing and stimulate the economy. These purchases have greatly influenced lower interest rates over the past year and a half.  

At their last meeting on November 3rd, the Fed announced they will start to taper or reduce those purchases each month. As the Fed begins purchasing less, there is a potential risk that interest rates may not stay as low in the coming months. Additionally, recent fears of rising inflation may nudge interest rates higher.

Currently, interest rates are still extremely attractive. If you are considering purchasing a home or refinancing your current mortgage, now may present a good opportunity to do so.  

Give us a call today at (949) 705-7702 to discuss your personal financing options.
1 month ago
Golden Coast Loans

UNDERSTANDING THE LATEST DATA ON HOME APPRECIATION

Home values have been rapidly appreciating. While appreciation is expected to continue, recent data suggests that the pace of appreciation may begin to slow. This is actually healthy for the markets, although you can count on the media to turn this into fear mongering.

Let's remember that positive appreciation means home values will continue to rise. A slower rate of appreciation does not mean that home prices will drop. It simply means that they will rise at a more modest pace. This can be a good thing for affordability and a very good thing for homeowners who should continue to see equity growing in their home.

If you’re thinking of purchasing a home, don’t let the media scare you out of a wonderful opportunity to build wealth through real estate. Reach out to us today and let’s get started. (949) 705-7702
... See MoreSee Less

UNDERSTANDING THE LATEST DATA ON HOME APPRECIATION

Home values have been rapidly appreciating. While appreciation is expected to continue, recent data suggests that the pace of appreciation may begin to slow. This is actually healthy for the markets, although you can count on the media to turn this into fear mongering.

Lets remember that positive appreciation means home values will continue to rise. A slower rate of appreciation does not mean that home prices will drop. It simply means that they will rise at a more modest pace. This can be a good thing for affordability and a very good thing for homeowners who should continue to see equity growing in their home.

If you’re thinking of purchasing a home, don’t let the media scare you out of a wonderful opportunity to build wealth through real estate. Reach out to us today and let’s get started. (949) 705-7702
1 month ago
Golden Coast Loans

We love our clients and their referrals! Call us today to discuss your real estate financing needs (949) 705-7702.

#goldencoastloans #lenderforlife #clientsbecomefriends
... See MoreSee Less

We love our clients and their referrals! Call us today to discuss your real estate financing needs (949) 705-7702.

#goldencoastloans #lenderforlife #clientsbecomefriends
2 months ago
Golden Coast Loans

THE QUESTION LINGERS IN THIS MARKET: BUY VS RENT?

One of our favorite statistics: 90% of the millionaires in our country built their wealth through real estate. Let's explore how this market still provides this opportunity for you and your family.

The real estate market has been very strong and because inventory levels are low, it may be more challenging to find a home to purchase. That has some people considering renting their next home instead of buying.

There are a few factors to be considered before making that big decision. Some of the most respected companies, like CoreLogic, Case-Shiller, Black Knight, MBS Highway, and others, forecast that real estate values are expected to appreciate into the foreseeable future.

This can create significant wealth for your family. Meanwhile, rents are forecasted to continue to rise by more than 5% per year, which can have a significant impact on your cashflow over time.

Additionally, your mortgage will amortize… meaning that a portion of each of your monthly payments will go toward reducing your loan balance, which builds equity and wealth for you. This is different than a rental payment, which builds wealth for your landlord.

Another big consideration is the level of freedom to do things to your home as an owner, which may be limited as a tenant.

We have the ability to provide you with a detailed analysis with forecasts for your specific market upon request. Contact us to see why homeownership might be a great way for you to create wealth. (949) 705-7702.
... See MoreSee Less

THE QUESTION LINGERS IN THIS MARKET: BUY VS RENT?

One of our favorite statistics: 90% of the millionaires in our country built their wealth through real estate. Lets explore how this market still provides this opportunity for you and your family.

The real estate market has been very strong and because inventory levels are low, it may be more challenging to find a home to purchase. That has some people considering renting their next home instead of buying.

There are a few factors to be considered before making that big decision. Some of the most respected companies, like CoreLogic, Case-Shiller, Black Knight, MBS Highway, and others, forecast that real estate values are expected to appreciate into the foreseeable future.

This can create significant wealth for your family. Meanwhile, rents are forecasted to continue to rise by more than 5% per year, which can have a significant impact on your cashflow over time.

Additionally, your mortgage will amortize… meaning that a portion of each of your monthly payments will go toward reducing your loan balance, which builds equity and wealth for you. This is different than a rental payment, which builds wealth for your landlord.

Another big consideration is the level of freedom to do things to your home as an owner, which may be limited as a tenant.

We have the ability to provide you with a detailed analysis with forecasts for your specific market upon request. Contact us to see why homeownership might be a great way for you to create wealth. (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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