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Back Yards with Berta

Larry Doss Monday, February 9, 2026

When selling your home, your backyard can be one of your strongest selling points. In Humboldt County, buyers are drawn to outdoor spaces that feel peaceful, green, and connected to nature. With a little preparation, your backyard can leave a lasting impression.
Start with your lawn. A healthy, green yard signals care and value. Because Humboldt’s coastal climate is cool and often damp, choose grass varieties that thrive locally, such as tall fescue or perennial ryegrass. These grasses stay green year-round and handle moisture well. Mow regularly, edge cleanly, and remove moss as needed. W... Read more

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Why Now Might Be the Smartest Time to Buy: High Rents, Falling Rates, and Less Competition

Larry Doss Tuesday, December 23, 2025

Rent prices across California have climbed to historic levels, and Humboldt County is no exception. For prospective buyers in areas like Eureka, CA, the high cost of renting a home is becoming harder to justify. Monthly rents now rival or even exceed what a mortgage payment might be for comparable properties. This shift has made owning a home more financially appealing than ever.

In communities such as Arcata and Fortuna, the rental market is extremely tight, with high demand and limited availability. Many renters find themselves renewing leases at increased rates year after year, wit... Read more

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Real Estate vs the Stock Market: What the Media Doesn’t Explain

Larry Doss

When it comes to building wealth, the choice between real estate and the stock market has been a long-standing debate. Popular media often highlights stock market booms, cryptocurrency surges, or tech IPOs, but they rarely dig into the long-term reliability and tangible advantages of real estate. In regions like Humboldt County, where the real estate market includes vibrant communities such as Eureka, Arcata, Fortuna, and Ferndale, the conversation becomes even more relevant. While both investment paths have their merits, there are critical differences, overlooked factors, and regional dynamic... Read more

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How a Seller Buydown Can Lower Your Mortgage Rate (and Save You Thousands)

Larry Doss Friday, October 10, 2025

In today’s real estate market, homebuyers often face challenges with rising mortgage rates and affordability. One financing strategy gaining popularity is the seller buydown. A seller buydown occurs when the seller of a property contributes funds to reduce the buyer’s mortgage interest rate for a set period or the entire life of the loan. This contribution is typically paid upfront at closing and credited toward the buyer’s mortgage, making the loan more affordable. For many buyers, this is the difference between being priced out of the market and comfortably affording a new home.

The... Read more

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Year-End Tax Strategies: Why Buying a House in the Fall is a Smart Move

Larry Doss Monday, September 29, 2025

As the year draws to a close, many potential homebuyers in California begin weighing the financial impact of purchasing property before December 31. Buying a home in the fall can unlock valuable tax benefits that provide immediate financial relief. For instance, closing on a property before the year ends allows buyers to deduct mortgage interest, property taxes, and in some cases, mortgage insurance premiums from their taxable income. This can lower your tax liability for the current year, giving you a head start on building wealth through real estate.

In markets like Humboldt County,... Read more

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Financing To Do and Don't Do

Larry Doss Wednesday, December 28, 2022

Applying For a Mortgage? Here’s What You Should Avoid Once You Do.
Applying For a Mortgage? Here’s What You Should Avoid Once You Do. | MyKCM

While it’s exciting to start thinking about moving in and decorating after you’ve applied for your mortgage, there are some key things to keep in mind before you close. Here’s a list of things you may not realize you need to avoid after applying for your home loan.

Don’t Deposit Large Sums of Cash
Lenders need to source your money, and cash isn’t easily traceable. Before you deposit any amount of cash into your accounts, discuss... Read more

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What’s the Difference between an Appraisal and a Home Inspection?

Larry Doss Tuesday, February 2, 2021

If you’re planning to buy a home, an appraisal is an important step in the process. It’s a professional evaluation of the market value of the home you’d like to buy. In most cases, an appraisal is ordered by the lender to confirm or verify the value of the home prior to lending a buyer money for the purchase. It’s also a different step in the process from a home inspection, which assesses the condition of the home before you finalize the transaction. Here’s the breakdown of each one and why they’re both important when buying a home.

Home Appraisal
The National Association of Realt... Read more

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Are You Ready To Get In The Investor's Market

Larry Doss Tuesday, February 16, 2010

The Yuba Sutter Area is perfect for a seasoned or first time investor. With many homes available, the variety is vast, from single family homes, to multi-family dwellings as duplexes and apartments, and investor has a large range to choose from. Close to major metropolitan areas as Sacramento, and Chico, and the "road less taken" up to the Sierras, residents enjoy a small town feel, with modern accomodations of larger chain stores.
How to get started:
1. Get educated in the area, the market, and availability
2. Understand terminology REO and Shortsale
3. Decide on your crite... Read more

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Sacramento Homes for sale

Larry Doss Tuesday, January 19, 2010

In a time where the G 20 summit has mixed feelings and demands, it is reassuring to know that there are some places in the world where the word ‘environment’ has been revered with serious action. Sacramento, according to the journal, American bicyclist, ranks fourth in the country for bicycle commuting. Business professionals and specialists are claiming that the use of bicycles is more viable than the regular transport for two reasons – pollution free atmosphere and healthier lifestyles.

The New Year has also brought in the hopes of constructing a new sports and entertainment center ... Read more

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Based on information from the Humboldt Association of REALTORS®, as of 02/10/2026. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be verified by broker or MLS for accuracy. All information should be independently reviewed and verified of accuracy. Properties may or may not be listed by the office/agent presenting the information. Copyright ©2026 Humboldt Association of Realtors®. All rights reserved.