Julie Colcleaser- GTG Financial Inc.

Did you know that not all loan transactions require an appraisal? YES!! You heard that right! Depending on your loan application, sometimes your home will qualify for no "physical" appraisal needed. Taking one less step and cost out of the transaction. Call me today to find out more 707.287.1819

Tired of laundromats? Let's find you a home with a laundry room of your own. Call, text, email or DM me today! 707.287.1819

We work closely with you and our wholesale lenders to ensure you get a loan that suits your needs. We're not just in the business of selling loans; we're in the business of fulfilling dreams. Reach out.707.287.1819

Your real estate agent can make all the difference in the search for your forever home. That's why we partner with real estate experts in your neighborhood to take the guesswork out of the process. Call me for a referral. 707.287.1819

Brokers are better (and cheaper)!!!

The wholesale channel continues to prove that it’s the best place for a consumer to get a mortgage. A new study by Polygon Research shows that consumers save an average of $10,662 when they work with an independent mortgage broker instead of a retail lender. There isn’t a consumer in America that shouldn’t work with an independent mortgage broker, and it’s more important than ever for us to make sure consumers understand these unmatched benefits. Anyone looking to find a local mortgage broker should visit MortgageMatchup.com.

More details here: https://www.uwm.com/about-us/media-resources/press-releases/2024/august-28-2024/

What do title and deed mean? The title is the legal right to own, use and control a property, while the deed is a document that transfers and shows legal ownership of a property. Contact me for more information 707.287.1819

I shop multiple lenders to find great rates and products for your needs, getting you to the closing table and into your dream home faster (often 20 days or less) with wholesale interest rates — some of the lowest in the industry. Call, text, email or DM 707.287.1819

A 3% down payment might be all you need to make your dream of owning a home a reality. Let's make the move together. Call, text, email or DM 707.287.1819

Escrow waivers can make the closing process smoother. By allowing you to handle property taxes and insurance payments directly, they can potentially reduce closing costs. Call, email, text or DM to learn more 707.287.1819

Call me now to help make one of the biggest purchases of your life as easy as pie. I can help you figure out how much you can expect to pay monthly and at closing, ensuring you know what you’ll need to budget for before you put in that offer! 707.287.1819

Do down payments feel like a mountain? Not if you can use gift funds, making your climb easier. Let's tackle this together! 707.287.1819

Are you a first-time homebuyer looking for some extra help with your down payment or closing costs? You may be eligible for assistance! Ask us for more information on qualifications. 707.287.1819

Experience the excitement of buying a new home, not the hassle of paperwork. Our online application tool helps you save time and focus on what really matters — finding your dream home. Call, text, email or DM 707.287.1819

Jumpstart your journey to homeownership. With 0% down purchase program, you can rev up your engine without the weight of an upfront down payment. Get started and accelerate into your new home! Call, text, email or DM 707.287.1819

What if you could lock in your housing cost for the next 15 or 30 years? No more annual rent increases, just stability. Contact us to start your journey to homeownership. Call, text, email or DM 707.287.1819

Considering a new home but the mortgage payment is stretching your budget? A temporary rate buydown might help ease you into those higher costs. It's a way to make initial payments more affordable by 'buying down' your interest rate for a few years. Reach out to learn more. 707.287.1819

Buying a home can be stressful when you're left in the dark. We offer the latest tools and technology to give you visibility on your loan throughout the process. Call, text, email or DM to get started 707.287.1819

Don't let homebuying trip you up. With me, you're sure to step into your dream home confidently. Reach out via email, text, call or DM. 707-287-1819

Just because your relationship status has changed doesn't mean your dreams have to. Let's explore your mortgage options together and find the right fit for your new start. Call, text, email or DM me. 707.287.1819

Homebuying has never been this swift. With instant funding, it's like having an open road ahead. No stoplights. No traffic. Just a straight path from signing to keys in hand. Call, email, text or DM to find out more. 707-287-1819

Loved working with us? Whether you're looking for a vacation home or an investment property, we're here to continue this journey together. Call or text me at 707.287.1819

IF you have purchased using a FHA or VA loan within the last two years, NOW is the time to refi!!!! VA and FHA IRRL refi's are quick, simple and straight forward. You served our country. Let me return the favor by lowering your rate. That could mean lower monthly payments and no appraisal is necessary. Contact me to learn more. Call, email, text or DM 707-287-1819

Did you know? If you recently purchased your home with cash, you may be able to refinance sooner and may get your investment back to free up cash for other expenses. Let’s explore your mortgage options. Call, email, text or DM 707-287-1819

First-time homebuyer? Get familiar with the term debt-to-income ratio (DTI). Your DTI is used by mortgage lenders to determine whether your loan application will be approved. To learn more on how DTI works call, email, text or DM 707-287-1819