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Golden Bear Financial
14 Healdsburg Avenue
Suite C
Healdsburg, CA 95448

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Why Choose Golden Bear Financial?

We provide the highest possible level of professionalism and integrity in the service of clients who desire individualized mortgage and specialty funding.

Why Should I Use a Broker?

Because we can save you time and money!

Here's how: Most banks, mortgage companies, and other lenders insist that you fit their mortgage loan criteria. They generally have one loan program, one set of rates, one set of underwriting conditions. If you don't fit - too bad! As brokers, we deal with over 400 different lenders. We conduct an extensive search for a program that meets your needs. As realtors, we aggressively market your property, or negotiate with sellers on your behalf.

Interest rates, points, fees or terms - the difference is CHOICE.

Does Getting a Loan Have to be Complicated?

Not at all. A simple phone call is enough to get the process started. We work closely with you to prepare the best possible package to send to lenders. Let us use our expertise for your benefit, not the lenders’.

What can I do if I don’t have a Down Payment?

Many lenders offer 100% financing, depending on your situation. Even if your credit is less than perfect, or if you’re self-employed and have problems proving income, you may still qualify.

What about Credit or Income Problems? Unique Property? Unusual Situations?

Many people think past problems or unusual circumstances may make them ineligible for credit. Not so! We work with difficult and unique situations every day. Our commitment is to find the program that works best for you!.

What if I have a Bankruptcy in my past?

There are a number of lenders who will loan as soon as 1 day out of bankruptcy. Others may provide a loan to pay off your bankruptcy balance to the trustee, depending on your circumstances.

How Long Does it Take?

That's the beauty of working with us! Our computerized loan process can pre-qualify you in only 5 minutes. No need to wait for weeks to find the loan program that's right for you. You give us the information, and we find a program and lock in the rate immediately. And when you want to find out the status of your purchase offer or your loan, no need to call different offices - we handle all the details for you.

One phone call is all it takes!

Call Pete Foppiano (707) 433-9143 for a FREE Consultation!