Julie Colcleaser- GTG Financial Inc.
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Building Life Long Relationships, Not Just Loans
✨Mortgage Broker For Life ✨
GTG Financial Inc | 707.287.1819
NMLS #230311 | DRE#01836026
Equal Housing Opportunity
www.nmlsconsumeraccess.org "Our mission is to strengthen the financial well-being of our clients and their communities through persistent education, transparent communication, and commitment to finding the right mortgage for right now." - GTG Financial
We’ve seen 13% rates.
And portfolios were still built.
We’ve seen 10% rates.
And people still bought homes.
We saw 3% rates.
And it created a buying frenzy that pushed values higher, faster than normal.
Now we’re at 6%.
And this?
This is what a balanced market actually looks like.
Not panic.
Not headlines.
Not chaos.
Just strategy.
The truth is — real estate has always rewarded preparation over fear.
If you’re waiting for 3% again, you’re waiting for a moment in time… not a standard.
Perspective changes everything.
Call, text, DM me if you want to make decisions based on numbers — not noise. 💬
Real estate isn’t hard. It just has a current 🌊
Some days it’s calm.
Some days it moves fast.
The key?
Someone in the boat who doesn’t panic.
I’ve navigated rate hikes, bidding wars, tight guidelines, and shifting markets — and I’m still here.
Still steady.
Still protecting my clients.
No matter who’s rowing, I make sure we don’t tip.
That’s experience.
That’s strategy.
How can I help you today?
01/01/2026
Tonight we're celebrating all the clients we helped in 2025 and looking forward to helping even more in 2026!
12/25/2025
Here’s hoping your home is merry, bright and filled with love and laughter.
11/29/2025
🦃✨ Thanksgiving Holiday Client Spotlight ✨🦃
While we’re home warm, cozy, and surrounded by family… one of my incredible clients is spending her holiday serving others.
She’s an RN, working through Thanksgiving to care for those who are sick, hurting, or alone. The kind of person who shows up — not just for her patients, but for our whole community.
I’m so thankful for her heart, her strength, and her service…
Please send a little love to all the nurses working this holiday weekend. They’re the quiet heroes who hold everything together. 🩺💛
11/20/2025
✨Remembrance Post ✨
Today isn’t a client spotlight… it’s a tribute.
There’s a client from my early years in real estate who shaped me more than he ever knew. He was an Army Captain and a Vietnam veteran, and he went on to spend over 50 years in real estate as a broker, appraiser, and investor — a man with more honors and accolades than I could ever list.
He didn’t mince words, ever. He was direct, honest, and some people thought he was a little ornery… but I loved that about him. His honesty made me better.
He trusted me to be his investment lender at a time when I didn’t even fully trust myself, yet. He saw something in me long before I did, and I’ll always be grateful for the way he pushed me, taught me, and believed in my abilities when I was young in this business.
I’m truly saddened to hear of his passing.
Clients like him helped build the mortgage broker — and the person — I am today. 🤍🇺🇸 picture courtesy of legacy.com
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Address
1424 Guerneville Road Suite 100
Santa Rosa, CA
Opening Hours
| Monday | 8am - 6pm |
| Tuesday | 8am - 6am |
| Wednesday | 8am - 6pm |
| Thursday | 8am - 6pm |
| Friday | 8am - 6pm |
