Real estate is a hot topic of conversation lately. So, I want to connect you with one of our expert members this month to discuss their views on the market. After reaching out to my friends at Gold Standard Mortgage, I felt it best that you hear an update directly from their CEO, Ryan Dias. Ryan states, “It’s no surprise we are in a shifting real estate market. This is not a bad thing. There is a correction that is happening that needs to take place. Although a higher inventory of homes is trending in the market, we are still below pre-covid market statistics. This opens the door for more opportunities and a lot more options for home buyers! We are excited to see more first-time homebuyers able to re-enter the marketplace and purchase without fierce competition. Besides traditional VA, FHA, and Conventional loans that mortgage brokers typically offer, Gold Standard Mortgage offers an assortment of loan programs. This can help home buyers with varying needs, including several new programs for small business owners and ITIN* borrowers looking to purchase homes with greater ease than previously possible.

“The best time to buy a home was yesterday… the second-best time is today.” I think this perfectly states where we are today. Although we do not expect double-digit real estate appreciation this year, there will be a positive return of 5-7%. The housing shortage is real, rental prices are not going to drop, and the stock market is bearish. There is more equity in the average US home than ever. All of these things lead to the conclusion that there is not a “housing bubble,” and investing your money into real estate is one of the best things you can do today.

Whether you are a first-time home buyer or a veteran investor, Gold Standard Mortgage is here to help with any of your financing needs.

If you can dream it, we can finance it!”

*ITIN = Individual Taxpayer Identification Numbers are available for nonresident and resident aliens, their spouses, and dependents who cannot get a Social Security Number.

Josh Cross

President & CEO of the Atascadero Chamber | Josh Cross

Josh Cross is a longtime Central Coast local, having grown up right here in Atascadero. He has a strong knowledge of governmental and community issues, in addition to economic development. Previously he worked as the Director of Economic Development for the Paso Robles Chamber of Commerce, and has always been passionate about the incredible work Chambers can do for their community.