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Sub-Prime Loans

Welcome to the Loan Center! Humboldt Home Loans is committed to providing excellent service to each and every customer. Here you can use our online tools to learn more about home loans and find the best loan options to suit your needs and goals as well as find valuable information on many typical real estate finance questions.


You can explore our site without any obligation or disclosure of personal information, or if you want, you can even begin the application process online! At any point, feel free to e-mail or call us regarding any questions you may have. You can find our contact information at the bottom of each page. We are here to personally help you through the entire home financing process.


This web page is designed as an educational tool, providing consumers and real estate licensees the most up to date information on many real estate and real estate financing topics.


The features that you may find most helpful include:


Tip Sheet Section . . . a collection of informative papers on 50+ topics that can help answer many of your real estate and real estate finance questions. Scroll down the tip sheet list and you will find several that are specifically written to explain some common areas of concern for buyers and sellers.  You can make good decisions only if you have good information. Our goal is to provide you with that good information. 

Pre-Approval Letters

Preparing Your Home For Sale

Real Estate Advertising

Transfer Disclosure Statement

You May be Missing Some Business


Products Section . . . an introduction to a variety of loan products, general information about each loan program and basic guidelines for each loan option. This information may be helpful as you consider various loan options. Included are:

Conventional and Non Conforming (Jumbo)

Adjustable & Hybrid Rate Loans

FHA Loans

VA Loans

Cal Vet Loans

100% Guaranteed Rural Housing Loans

Construction Loans

Investment/Non-Owner (1-4 units) Loans

Lot Loans

Spec Loans

Manufactured Housing Loans

Private Loans


Resources Section . . . there are several topics that will be very informative, among them:

Market Analysis

Regularly updated information on market conditions and interest rate expectations

Shopping Rates

An explanation of how rate pricing occurs for borrowers who wish to shop rates

Credit Basics

An explanation about credit scoring and its importance in today’s financial arena


We will be constantly updating the information in our continuing effort to inform and keep you up to date on the changing financial environment.




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