Todd Claus - GFS Home Loans NMLS #209512

06/15/2026

"I can't afford a down payment."

I hear this almost every day. So let me show you the actual numbers:

🏠 Conventional: 3% down → $9,000 on a $300K home
🏠 FHA: 3.5% down → $10,500 on a $300K home
🎖️ VA: 0% down → $0
🌾 USDA: 0% down → $0

And here's what most people miss: Down payment assistance programs exist in almost every state. Grants, forgivable loans, employer programs — real money.

Meanwhile, the cost of waiting? Home prices in California have risen roughly $20K-$40K per year in many areas.

Let's look at your real numbers — free, no commitment.

🔗 https://localbest.ai/directory/mortgage-lending/walnut-creek-ca/todd-claus-of-gfs-home-loans

06/15/2026

My weekly email detailing the weeks mortgage, real estate and business news

A weekly email detailing the weeks mortgage, real estate and business news.

06/12/2026

Every week, someone tells me: "I wish I'd talked to a loan officer sooner."

Most people spend weeks Googling mortgage questions and getting conflicting answers. One 15-minute conversation replaces all of that.

Here's what you get — completely free:

✅ Which loan program fits YOUR situation
✅ What you can realistically afford
✅ What your monthly payment would actually look like
✅ Whether it's the right time for YOU to buy or refi

No sales pitch. No obligation. Just answers.

GFS Home Loans — Conventional, FHA, VA, USDA & Home Equity.

Ready? Click below 👇
🔗 https://localbest.ai/directory/mortgage-lending/walnut-creek-ca/todd-claus-of-gfs-home-loans

Todd Claus | NMLS # 209512

06/11/2026

5 mortgage myths I hear every single week — and the truth.

❌ "You need 20% down"
✅ As low as 0% for VA/USDA. 3% for conventional. 3.5% for FHA.

❌ "You need perfect credit to get a loan"
✅ FHA starts at 580. There are programs for lower scores too.

❌ "Getting pre-approved tanks your credit"
✅ Minimal impact. And it's necessary if you want sellers to take you seriously.

❌ "The lowest rate means the best deal"
✅ Fees, closing costs, and service matter just as much as the rate.

❌ "You can't buy with student loans"
✅ Lenders look at debt-to-income ratio — not just whether you have debt.

💬 Got questions? We answer them anytime 👇
🔗 https://localbest.ai/directory/mortgage-lending/walnut-creek-ca/todd-claus-of-gfs-home-loans

06/10/2026

"You need 20% down to buy a home."

No, you don't. And that myth is keeping millions of Americans from becoming homeowners.

Here's what an FHA loan actually looks like:

💰 3.5% down — that's $10,500 on a $300K home
📊 Credit scores from 580 qualify
🏗️ Works for houses, condos, even multi-family properties
🎁 Your family CAN gift you the down payment — 100% allowed
💵 Sellers can contribute up to 6% toward your closing costs

FHA loans exist because homeownership should be accessible.

🔗 https://localbest.ai/directory/mortgage-lending/walnut-creek-ca/todd-claus-of-gfs-home-loans

📌 Share this with someone who thinks they can't buy a home yet.

06/08/2026

Stop scrolling if you're renting and wish you owned a home.

I'm about to save you months of Googling.

Here's the step-by-step checklist real loan officers use with first-time buyers:

1️⃣ Check your credit score — free at annualcreditreport.com
2️⃣ Know your budget — your monthly payment should be under 28% of your gross income
3️⃣ Pick the right loan — FHA (3.5% down), Conventional (3% down), VA (0% down)
4️⃣ Get pre-approved BEFORE you start shopping
5️⃣ Find a loan officer who explains everything — not one who just processes paper

I've walked hundreds of buyers through this exact process with GFS Home Loans.

💬 Link in bio — talk to us anytime 👇
🔗 https://localbest.ai/directory/mortgage-lending/walnut-creek-ca/todd-claus-of-gfs-home-loans

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