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The government shutdown has everyone talking, but what does it mean for the mortgage and housing markets? Our latest post dissects the potential impact on mortgage rates, loan processing, and overall market trends. Whether you're a homebuyer, investor, or just keeping an eye on the economy, this is one read you won't want to miss....

Mortgage News | 6 - MINUTE READ: If you follow the strategies below, you may be able to reduce your mortgage costs and make homeownership more affordable....

Mortgage | 4-MINUTE READ: After a tough start to the week, mortgage rates experienced a slight recovery, avoiding nearing the decades-long highs seen recently. Discover the role corporate bonds played in this and what it signifies for potential homebuyers....

Mortgage | 5 - MINUTE READ: Facing higher mortgage rates in 2023? You're not alone. However, there are creative solutions to help you secure a better rate. In this blog post, we dive into two viable options for today's market—Mortgage Points and Adjustable-Rate Mortgages. Whether you're a first-time homebuyer or looking to refinance, find out how these strategies could offer you some financial breathing room....

Mortgage | 8-MINUTE READ: In this comprehensive guide, we'll delve into the dynamics of adjustable-rate mortgages, explore their benefits, and debunk the misconceptions that might be causing alarm. So, fasten your seatbelts, and let's embark on a journey through the world of ARMs....

Finance | 12-MINUTE READ: Have you stopped to think how much of your home you actually own and how you can access the cash you’ve accumulated in your home to pursue other financial goals. News flash, the portion of your home that you actually own is known as home equity. Equity can be used as a powerful financial tool that you can use to pay off debt, renovate your home or make other financially savvy decisions. So, let’s talk about what home equity is, how to calculate your home equity and how you can use it to accomplish your goals!...

Finances | 4-MINUTE READ: What is Equity? Equity is the silent benefactor that every homeowner looks forward to, and recent trends have shown that equity has burgeoned, especially during the ‘unicorn’ years. The Equity Insights Report by CoreLogic reveals an astonishing figure: the average homeowner now boasts equity exceeding $274,000. The pandemic may have presented its set of challenges, but as Bankrate puts it, for homeowners, the substantial equity gain was a silver lining. It's crucial, however, to understand how this equity operates and the ways it can be leveraged. Gold Financial Services sheds light on four pivotal strategies:...

Homebuying | 3-Minute Read: Even though the housing market is no longer experiencing the frenzy that was so characteristic of the last couple of years, it doesn’t mean today’s market is at a standstill. Buyer traffic is still strong today....

Homebuying | 8-MINUTE READ: Navigate the world of home buying with Gold Financial Services, your trusted San Antonio-based mortgage lender. Understand the future trends of home prices and mortgage rates, guided by expert projections and our professional advice. Make an informed decision for your dream home...

About Us | 6-MINUTE READ: Gold Financial Services is proud to celebrate 25 years of service to the San Antonio community and beyond. For a quarter of a century, we have been dedicated to helping families achieve their dreams of homeownership through our commitment to providing exceptional mortgage services....

Homeownership | 12-MINUTE READ: When the moment arrives for you, buying your first home is powerful. Your focus could be placed on building generational wealth or creating an investment to sell when you retire. Whatever your reasons may be for buying a house, you may be a few steps from the moment you can kick back and enjoy your home purchase. Here’s our best advice for first-time home buyers looking to embark on the journey to homeownership. In this article, you’ll discover some tips that could help you in your homebuying process....

Homeownership | 7-MINUTE READ Buying and owning your home can make a big difference in...

Housing Market | 9-MINUTE READ: Here’s some good news for homebuyers, the spring housing market has been surprisingly active this year. Despite having affordability challenges and a limited number of homes for sale, buyer demand is strong, and increasing as time progresses....

Mortgage & Loan Basics | 10-MINUTE READ: Losing a loved one is undoubtedly a challenging and emotional time. Amidst the grief, there are practical matters to attend to, such as understanding the implications of a mortgage when the borrower passes away. This article aims to provide information regarding what happens to your mortgage once you die, how you can plan and avoid mortgage issues, and your heirs. Also, what you need to know if you’ve inherited a home after a loved one has passed....

Mortgage & Loan Basics | 7-MINUTE READ: According to the Internal Revenue Service (IRS), the gift tax applies anytime an individual transfers property to another person without receiving full market value in return. Although it’s called the gift tax, the tax is applied whether the property is considered a gift or not....