Why Choose Redwood Capital Bank?
Redwood Capital Bank is Humboldt County's local choice for residential mortgage loans. We are part of your community. We are here to help you find the mortgage loan that is right for you with options available to assist you in buying a new home, building the home of your dreams, refinancing your existing mortgage or buying a vacation home retreat. Redwood Capital Bank is committed to serving the wide range of our customers' needs. You can expect quality service and customer satisfaction. Whatever your home financing needs, Redwood Capital Bank is here to help you every step of the way.

The mortgage loan process does not have to be difficult. Once you have made the decision to pursue applying for a mortgage loan with Redwood Capital Bank, we will work with you to obtain the necessary documentation required for a loan decision to be made. Contact us at (707) 444-9804.

How Much Mortgage Can I Afford?

The mortgage you can afford depends on many factors, including your target monthly payment, annual income and the amount of your down payment.  It is a good idea to evaluate your personal financial situation to determine a monthly payment range that you can comfortably afford. You can also use the calculators provided on our website to determine the loan amount that fits your budget.  Based on standard lender guidelines and by asking a few simple questions, our experienced lenders can help you determine the best loan product to fit your needs.

It is Beneficial to Prequalify?
The simple answer to this question is "yes."  Our Redwood Capital Bank residential real estate experts can estimate how much you may be eligible to borrow to purchase your dream home.  You will need to supply your income, savings, assets and debt so that our lenders can help you decide on a price range for your new home.  While it is important for you to get an idea of your own comfort level with a loan payment, our lenders can evaluate your individual circumstances and make a recommendation for a loan program that will meet your financial needs.  Once you pre-qualify, we give you what is called a Pre-Qualification Letter. A Pre-Qualification Letter always improves the overall strength of your offer and lets the seller know that you qualify for the home.

Redwood Capital Bank Makes The Loan Process Easy
Buying a home is one of the most important decisions you will ever make.  Once you have made an offer on a home and it has been accepted, our experienced lenders will walk you through the entire loan process.  From the loan application to loan closing, Redwood Capital Bank is dedicated to providing the best customer service to meet our customers' needs.  Give us a call today!