Accounts & Loans

Navigating the home-buying process can feel overwhelming, but understanding the importance of mortgage pre-approval can give you confidence, clarity, and a competitive edge.  What is mortgage pre-approval? Mortgage pre-approval is a formal process where a lender reviews your financial situation—including …

Running a successful business—whether it’s a big enterprise or a small side hustle—means keeping your finances in order. While it’s tempting to mix business and personal finances, keeping them separate is one of the simplest ways to stay organized and …

When your Home Equity Line of Credit (HELOC) draw period ends, your repayment period begins—and a little preparation can make a big difference! Getting ready now can help you stay confident, avoid surprises, and keep your credit in great shape. …

If you’re like most homeowners, your mortgage is one of your biggest monthly expenses—but there are easy and effective ways to pay down the principal faster and save money. Understand the Principal Your principal is the original amount you borrowed to …

Congratulations—you’ve decided to put down roots in one of Northern California’s most scenic and community-rich areas: Humboldt, Del Norte, and Trinity counties. Now comes another important decision in your homebuying journey: Should you choose a fixed-rate or adjustable-rate mortgage (ARM)? …

Are you considering some energy-efficient home upgrades to save money? It’s a smart move! The average California household spends around $298 on electricity each month—23% more than the national average. By making a few eco-friendly home upgrades, you can reduce …

Thinking about refinancing your car loan? Whether you’re cruising through Crescent City, running errands in Eureka, or winding around Weaverville, you may wonder if it’s time for a better deal. Maybe you need to lower your monthly payments or you …

If you’re thinking about home improvements loans, you may wonder if a home equity line of credit (HELOC) is a good choice—or if it might be better to get a personal loan instead. Each option has its own set of …

Every week or so, you probably get credit card balance transfer offers in the mail or notice them online. The ads feature smiling people with carefree lifestyles, along with a tempting message: Transfer your balance from your high-interest credit card …

Roth IRA? Traditional IRA? What are they? Do I need one? Are you concerned about planning for retirement? You’re not alone! A recent CNBC poll revealed that 53% of Americans surveyed “feel they are behind on retirement planning and savings.” …