Welcome to Golden Gate Financial!

Golden Gate Financial is a full service mortgage provider that has over 35 years experience in the Mortgage Industry. We are dedicated to fulfilling your mortgage needs and providing you low rates at a low cost.

Golden Gate Financial has earned a reputation as one of the top Wholesale Brokers in the State of California. We are located in the Bay Area: Petaluma, Santa Rosa and Sacramento are only a small list of some of the areas that we service, but we can provide mortgages to all residents of California. FHA mortgage loans are issued by federally qualified lenders and insured by the U.S. Federal Housing Authority, a division of the U.S. Department of Housing and Urban Development. VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration. Providing Jumbo Loans in Santa Rosa, Petaluma and Sacramento Areas as well all of California. Jumbo Loans exceed the maximum loan amounts established by Fannie Mae and Freddie Mac conventional loan limits.

Being a Wholesale Mortgage Broker allows us to utilize our vast number of approved Wholesale Lenders to obtain the lowest competitive interest rate and the mortgage program that specifically is tailored to your mortgage needs. Many of our competitors in the Retail Mortgage Area are limited on what programs they can offer and the interest rate and costs they are mandated to charge their clients.

With our experience and affiliated Lenders we have the ability to offer practically every mortgage program available in the market today and we have become industry experts in knowing which program will best meet your mortgage needs.

Start your home loan process here!

The Golden Gate Financial team is committed to providing clients with the highest quality financial services combined with competitive rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of loan officers here can help you find the right loan program at a competitive rate no matter what your needs are.

What are your goals? We are committed to helping you reach them.

Western House
  • Homebuyers

    We will help you find the right financing solutions to meet your needs.

  • Today's Rates

    Evaluate the current market conditions to determine if it is a favorable time to purchase or refinance.

  • Refinance

    We can help you lower your interest rate and lower your monthly payment.

What are you waiting for?

Getting started is easy. We offer very competitive rates, have great service, and always close on time.

We specialize in the following California Mortgage Loans:

Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution.

We love our clients, our clients love us too!

Yelp Review Stars

My wife and I moved from the bay area down to San Diego. Although we were not in the area Terry Cole was the man. With everything going on with the move the easiest part was the loan. He took care of everything. I've gone through 6 previous loans and this by far was the best. We had a strict deadline and he finished it earlier. AMAZING!!! I will always use Terry going forward. Thank you for everything.

Ron A.

Yelp Review Stars

We have done business with John Cole several times for properties in Petaluma as well as Pacifica California. John is extremely patient and knowledgeable in a very complex field. We would highly recommend him in mortgage brokerage as well as real estate functions. We cannot imagine it being any better than dealing with John. We just closed our latest refinance through him last week.

Ken M.