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Tip Sheets

Helpful Real Estate Resource Articles, from the Humboldt Home Loans Team

100% Financing…A Good Idea?

Guaranteed Rural Housing Loan…the only Option Understand the terms before proceeding.

A Weekly Glimpse of Real Estate Finance News

A WEEKLY GLIMPSE OF REAL ESTATE FINANCE NEWS 4/28/2025 Chase Service, Not Rates: At first glance, it seems logical for would-be home loan borrowers to shop for interest rates. Maybe NOT! The majority of conventional mortgage loans are underwritten to Fannie Mae and Freddie Mac guidelines. (Note: Closing costs can vary marginally between lenders and […]

Abusive lending practices

Sub-Prime financing may be coming back. History can keep us from repeating bad practices.

Accessory Units

Accessory Dwelling Unit or Mother-in-Law Unit? Is there a difference?

Acquiring a Loan Via the Internet

It's very convenient but be sure to examine both the positives and the negatives of online loan applications

Adjustable Rate Mortgages

Learn the "language" of ARM loans

Appraisals – Some Basic Info

What appraisers look for and have to do when appraising a home

APR…What Does It Really Mean

The Annual Percentage Rate is supposed to assist buyers in determining the cost of financing, but it doesn't always work.

Assistance From Internet Lenders

While convenient, don't expect much help from those Internet Lenders.

Avoiding Foreclosure

Foreclosure reductions means more emphasis on short sales. Educate yourself before going that route.

Being Best Served by Your Realtor

Tips for working well with your Realtor. Remaining loyal is your best bet.

Bi-Weekly Mortgages

Here's how to save interest and pay off the mortgage early.

Buy Downs – How They Work

A win-win situation for both buyer & seller

Buy First or Sell First

There is no clear answer to this conundrum

Buyer-Only/Broker – A Review

Why it can be important for a buyer to have their own representation.