Libbey The Lending Lady

08/23/2026

08/07/2026

Did you know that gift funds can help you buy a home?

Many homebuyers assume they need to save every dollar for a down payment, but that's not always the case. Depending on the loan program, gift funds from eligible family members, and in some cases close friends or organizations, can be used toward your down payment, closing costs, or both.

With the proper documentation, gift funds can make homeownership more attainable and help you get into a home sooner.

As both your REALTOR® and Mortgage Advisor, I can guide you through the entire process, from finding the right home to securing the right financing, all under one roof.

Have questions about using gift funds or buying your first home? Let's talk.

Libbey Blumberg
Call/Text: (831) 818-7706

07/30/2026

Can CalHFA cover your closing costs too? The answer might surprise you. Up to 105 percent financing.

CalHFA, the California Housing Finance Agency, pairs a first mortgage with deferred second loans. Combined they can actually reach past the purchase price to cover not just your down payment but your closing costs as well.

Here is how the programs stack together. Up to 105 percent CLTV through the first mortgage plus assistance programs combined. MyHome assistance covers up to 3.5 percent toward down payment or closing costs. ZIP provides zero interest assistance specifically for closing costs and prepaids. And silent second loans have payments deferred meaning you are not making payments on them right now.

Important to know: the assistance is a deferred loan repaid later, not a grant. First-time buyer status, income limits, and homebuyer education requirements apply. Full details at calhfa.ca.gov.

Now here is what makes working with me different from working with two separate professionals. One professional. Two licenses. One fee. As both your Realtor and your Mortgage Advisor I negotiate your purchase and secure your financing. No bank margin. No origination fees. No retail markup. Most buyers hire two professionals and pay two fees. Mine hire one and save thousands.

Call or text Libbey Blumberg at 831-818-7706 or email [email protected]. NMLS 334465, DRE 01391384, Dalton Wade Group DRE 2365784, Go Rascal Inc. NMLS 2072896. Equal Housing Opportunity.

07/29/2026

People often assume that those of us who come from artistic backgrounds don't naturally find our way into the worlds of finance or business. Yet, after 25 years as a Mortgage Broker, I can honestly say my artistic background has been one of my greatest strengths. It has given me a unique perspective on finance, problem solving, & prosperity, allowing me to approach the industry with creativity, empathy, & a way of seeing opportunities many people overlook.

Combining my real estate & mortgage services into one seamless model has been transformative. It's a true game changer for people who might otherwise never have the opportunity to buy a home, especially here in the Bay Area & Northern California. I love providing this service, & my goal is to bring it to as many people as possible during my lifetime.

No hesitation, no second guessing, I want to fundamentally change the way real estate & mortgage services work together by making the process more transparent, more affordable, & more client centered.

If I can leave behind a legacy of helping people build wealth while reshaping an industry that has needed change for decades, that will be my contribution, & my stamp on history.

07/28/2026

People often assume that those of us who come from artistic backgrounds don't naturally find our way into the worlds of finance or business. Ironically, after years as a Mortgage Broker, I can honestly say my artistic background has been one of my greatest strengths. It has given me a unique perspective on finance, problem solving, and prosperity, allowing me to approach the industry with creativity, empathy, and a way of seeing opportunities that many people overlook.

What I'm doing by combining my real estate and mortgage services into one seamless model has been transformative. It's a true game changer for people who might otherwise never have the opportunity to buy a home, especially here in the Santa Cruz market. I love providing this service, and my goal is to bring it to as many people as I possibly can during my lifetime.

My hope is to leave a lasting mark on this industry. I want to fundamentally change the way real estate and mortgage services work together by making the process more transparent, more affordable, and more client centered.

If I can leave behind a legacy of helping people build wealth while reshaping an industry that has needed change for decades, that will be my contribution, my legacy, and my small stamp on history.

07/27/2026

Here I am with my cutie pie friend Michele Murphy. I swear whenever I take a picture next to this fabulous person not only do I feel good emotionally, but I look better too...,😉

07/22/2026

Do you really need 20 percent down to buy a home? Not at all. And this is one of the most persistent myths keeping qualified buyers on the sidelines unnecessarily.

The 20 percent rule is one of the most common homebuying myths out there. Many programs let qualified buyers put down far less and get into a home years sooner than they thought possible.

Here is what today's loan programs actually require. Conventional loans as low as 3 percent down. FHA loans as low as 3.5 percent down. VA loans at zero percent down for eligible veterans. USDA loans at zero percent down in eligible areas. A lower down payment may include mortgage insurance but it can get you into homeownership years sooner and start building equity right away.

And here is what makes working with me different. I am both your Realtor and your Lender. That means your mortgage is priced at wholesale not retail. No bank margin. No origination fees. Two services at one cost. One stop shop that saves my clients thousands on their purchase.

Call or text Libbey Blumberg, The Lending Lady, at 831-818-7706. Email [email protected]. NMLS 334465, DRE 01391384, Dalton Wade Group DRE 2365784, Go Rascal Inc. NMLS 2072896. Equal Housing Opportunity.