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Tip Sheets
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
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