Ben Larson Home Loans

04/19/2026

Hey everybody. I’m running for HumCo Assessor. As a mortgage lender I have a deep understanding of property values. During my 6 years as a commercial relationship manager for US Bank I also gained valuable experience in commercial property including equipment. I can’t wait to serve the public in the role of Assessor for Humboldt County.

02/09/2026

Keywords:

real estate, mortgage rates, Humboldt County, market trends, 2026 predictions, loan limits, credit score flexibility, community events

Summary:

In this episode of the Redwood Real Estate Report, Ben Larson and Annalise von Borstel discuss the outlook for the real estate market in 2026, reflecting on the previous year and sharing insights from Ben's recent trip to Thailand. They cover mortgage rates, loan limit changes, credit score flexibility, and the overall stability of the Humboldt County market. The hosts also highlight a unique listing in Shelter Cove and share upcoming community events.

Takeaways:

2026 is expected to bring exciting developments in real estate.
Ben shares insights from his trip to Thailand's real estate market.
Mortgage rates are showing a downward trend, which is promising for buyers.
Loan limits have increased, providing more opportunities for buyers.
Credit score flexibility is now allowing more borrowers to qualify for loans.
2025 was a stable year for the Humboldt County real estate market.
The median home price in Humboldt County has appreciated significantly over six years.
Predictions for 2026 include a return to historical growth rates in real estate.
A unique listing in Shelter Cove offers potential for buyers.
Community events are a great way to engage with the local area.

Titles:

2026: A New Era in Real Estate
Global Insights: Real Estate Trends from Thailand

Sound Bites:

"A strong market, actually!"
"Stability leads to confidence!"
"Get out and check those out!"

Chapters:
00:00Introduction and Overview of 2026 Real Estate Report
00:00Introduction
02:40Mortgage Rate Trends and Predictions for 2026
07:42Loan Limit Changes and Their Impact
10:33Credit Score Flexibility in Mortgage Approvals
12:36Review of 2025 Real Estate Market in Humboldt County
15:28December 2025 Real Estate Figures
16:16Major Market Figures
17:40December Market Share
18:242025 Review Market Share
19:44Work with your professional
21:332026 Thoughts and Predictions
23:19Featured Listing in Shelter Cove
24:38Community Events
28:05Closing Remarks

11/06/2025

keywords

real estate, market trends, interest rates, community events, Humboldt County

summary

In this episode of the Redwood Real Estate Report, Ben Larson and Annalise von Borstel discuss the current state of the real estate market in Humboldt County, focusing on absorption rates, interest rates, and community events. They highlight the trends in listings and sales, the implications of declining interest rates, and provide insights into underwriting updates and loan options. The episode also features local community events and a special listing of the month.

takeaways

Absorption rates have declined for four consecutive months.
New listings are down 5% from last year, while sold listings are up 11%.
Interest rates have shown a gradual decline, with a monthly average of 6.24% in October.
There is potential for refinancing for those with higher interest loans.
DSCR loans are a viable option for investment properties without personal income verification.
Community events are abundant as the holiday season approaches.
The Humboldt Artisans Festival is a highlight for local shopping.
The featured listing is a historic property with commercial potential.
The real estate market is showing signs of balance between supply and demand.
Engagement with the community is encouraged through local events.

10/09/2025

Summary
In the October 2025 edition of the Redwood Real Estate Report, Ben Larson and Annalise Von Borstel discuss the latest trends in the Humboldt County real estate market, focusing on interest rates, local market analysis, and community events. They highlight the recent decrease in interest rates, the stability of median home prices, and the importance of strategic pricing for sellers. The episode also features a listing of the month and upcoming community events, emphasizing the vibrant local culture.
Keywords
real estate, interest rates, Humboldt County, market trends, local events, home loans, property listings, mortgage rates, community activities, housing market
Takeaways
The Fed's recent rate cut is significant for the market.Interest rates have decreased, making refinancing attractive.Median sale prices in Humboldt County are showing positive trends.Sellers need to be strategic with pricing and concessions.Days on the market are crucial for sellers to consider.Local market conditions vary significantly by city.Community events play a vital role in local engagement.Interest rates impact buyer purchasing power and market activity.Creative financing options can benefit both buyers and sellers.The real estate market is showing signs of recovery and activity.

09/09/2025

Redwood Real Estate Report September just dropped. Be sure to check it out.

Source:https://www.podbean.com/eau/pb-8z2uh-195d74fKeywordsreal estate, Humboldt County, market trends, FHA guidelines, interest rates, community events, hom...

09/09/2025

Keywords
real estate, Humboldt County, market trends, FHA guidelines, interest rates, community events, home listings, buyer strategies, Redwood Real Estate Report

Summary
In this episode of the Redwood Real Estate Report, Ben Larson and Annalise von Borstel discuss the current state of the real estate market in Humboldt County, focusing on trends from August 2025. They cover key statistics, including median sale prices and days on the market, and highlight changes in FHA guidelines that could benefit potential homebuyers. The conversation also delves into interest rate trends and strategies for buyers, as well as community events and a featured property listing.

Takeaways

August 2025 saw a slight decline in median sale prices compared to August 2024.
The absorption rate in Humboldt County indicates a buyer's market.
FHA's acceptance of Vantage score 4.0 opens opportunities for more borrowers.
Refinance demand is increasing, while purchase applications are slightly down.
Interest rates have shown a declining trend since June 2025.
Buyers should consider getting updated pre-qualifications as rates drop.
Community events like the Redwood Coast Women's Conference promote local engagement.
The Friday Night Market is a new event in Arcata this September.
A featured listing showcases a Victorian home in Ferndale.
The hosts encourage audience interaction and feedback for future episodes.

Sound Bites

"We're still in a buyer's market."
"FHA now accepts a Vantage score 4.0."
"We're trending down far in September."

Chapters

00:00Introduction to the Redwood Real Estate Report
00:30Market Overview: August 2025 Real Estate Trends
04:35FHA Guideline Changes and Their Impact
07:59Interest Rate Trends and Buyer Strategies
10:29Community Events and Local Engagement
13:16Featured Listing: A Victorian Gem in Ferndale

08/08/2025

Summary:

In this episode of the Redwood Real Estate Report, Ben Larson and Annalise Von Borstel discuss the current state of the real estate market in Humboldt County, including trends in home sales, pricing, and interest rates. They also provide insights into community events and highlight a featured property listing.

Takeaways:

The absorption rate in Humboldt dropped slightly, indicating a buyer's market.
Average home prices in Humboldt are up nearly 5% compared to last year.
Sales of homes over $1 million have significantly increased this year.
The average days on the market for homes is 65, with a median of 33 days.
Total sales year to date are up 12.6%, while active listings are up 12.3%.
Interest rates have declined, reaching a 10-month low.
Nationally, the average home price has seen minimal change since January 2023.
Economic forecasts suggest a positive outlook for 2026.
Community events in August include the North Coast Land Trust celebration and the Flynn Creek Circus.
A featured listing is a custom home in Cedar Ridge Estates, priced at $599,000.

07/08/2025

https://youtu.be/4rCwpNBpy5M?si=UnRK91irg5AAJ1oa

Check out the July Redwood Real Estate Report.

In this episode of the Redwood Real Estate Report, Ben Larson and Annalise von Borstel discuss the current real estate market trends in Humboldt County, high...

07/08/2025

Summary
In this episode of the Redwood Real Estate Report, Ben Larson and Annalise von Borstel discuss the current real estate market trends in Humboldt County, highlighting a significant increase in sales and a balanced market. They also celebrate Hyperion Humboldt Realty's recent accolades, analyze mortgage rate trends, and discuss the impact of new student loan guidelines on purchasing power. The episode concludes with a rundown of community events happening in the area.

06/06/2025

Latest episode of The Redwood Real Estate Report. Check it out!

05/09/2025

When it’s time to move on call Don!

SOLD! Listed for $799k, this home received multiple offers in the first week and just closed for $946k! If you're thinking of selling, let me put over 25 years of Realtor experience to work for you. Call me at 707-499-4446.

05/09/2025

It’s been rough having to bounce around houses while ours was under construction, but our last night in the Airbnb isn’t too bad.