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How to Opt Out of Spam Calls After Credit Checks
In today’s digital age, privacy concerns are more pertinent than ever. At Humboldt Mortgage, we understand the importance of transparency and respect when it comes to handling your personal information. That’s why we want to inform you about your rights and options regarding the sharing of your information. Credit reporting agencies may share the fact…
Read MoreUnderstanding the “End Hedge Fund Control of American Homes Act”
In recent years, there has been a growing concern about the impact of hedge funds on the housing market, particularly regarding single-family residences. To address this issue, Senators Merkley and Smith have introduced a bill known as the “End Hedge Fund Control of American Homes Act.” This bill aims to impose an excise tax on…
Read MoreClosed for Presidents Day
Humboldt Mortgage will be closed on Monday, February 19th, in observance of Presidents’ Day. We will open for business as usual at 9:00 AM on Tuesday, February 20th.
Read MoreWin $150 gift certificate for Larrapin Cafe
It’s time for a drawing to kick off the New Year! We have a $150 gift certificate to the always amazingly delicious The Larrupin Cafe to give to one lucky person! It could be YOU! To enter this drawing there are six easy steps!1. Like this Facebook post.2. Share that Facebook post.3. Follow Humboldt Mortgage…
Read MoreDos & Don’ts During the Loan Process
We’d like to offer some tips that may be helpful when you’re looking to purchase a new home or refinance your home loan. Above all else, pay your bills and start saving.It’s critically important to pay your bills on time. There’s no single element that dramatically affects the success of an application as much as…
Read MoreTaking the Mystery Out of Real Estate Appraisals
Appraisals are meant to help buyers avoid a potentially bad real estate investment. It’s meant to help the lender determine how much money they will lend (both for purchases and refinancing). There are other types of appraisals, too—those that determine the assessed value of your home for property tax purposes or determine how much replacement coverage an insurance…
Read MoreHow Do Credit Scores Work: Take the Credit Score Quiz!
Credit scoring is that mysterious number that is assigned to your when you apply for a mortgage, a car loan and your insurance company even runs one to determine your premium amounts. So, there’s a new website, created by the Consumer Federation of America and Vantage Score Solutions if you’d like to know how credit…
Read MoreThings to Know When Buying Property
When one is buying a property, here are four things to consider: Down payment Closing costs Pre-paid interest Impounds 1. Down Payment: 0% Down with VA or USDA 3.5% – FHA 5.0% – Conventional 10% – SBA commercial 20% – Non-owner occupied 25% – Apartments 30% – Commercial 30% – No income documentation needed…
Read MoreFirst Time Home Buyer
Any person can qualify for a first time home buyer program if they do not own any property at the time of closing the new loan or have not owned any property within the last three years. This is true of all parties on the new loan. There are many first time home buyer program loans.…
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