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

Calculating the True Interest Rate

Determining the impact of tax deductions and the subsequent reduction in the note rate

CAN A LOCKED-IN INTEREST RATE BE RENEGOTIATED

GUIDANCE WEN LOCKING A RATE IS YOUR BEST OPTION

Capital Gains Tax Clarified

New tax legislation does not much affect this benefit

Choosing A Lender

Determine what is important to you when selecting your lender

Closing Costs

Don't be surprised by the closing costs.

Closing Credit Accounts

Should you close credit accounts? It Depends!

Co-Borrowing – The Rules

Depending upon the type of loan, there are rules governing co-borrowing

COMPARING LOANS AND LENDER SELECTION!

Questions to ask when selecting a lender

Contingencies

The five steps to drafting a contingency. It is best to be specific to avoid confusion.

Credit and Divorce

Know what to do in advance to protect your credit if you are contemplating divorce

Credit Counseling Services…Good or Bad?

Enrollment in a credit counseling program can have an adverse affect on your credit.

Credit Report…Understanding Your History

Knowing how credit history is managed is imperative in today's reliance on credit scoring

Credit Scoring

The new way to qualify borrowers and how it impacts the ability to acquire a loan

Do’s & Don’t’s

What to do and not do when applying for a loan.

Equity Lines of Credit

Equity loans are easy to acquire, but be careful of some unexpected consequences