Vern Bonham III
Vern Bonham III
Shelter Cove Realty
Garberville, CA
Broker/Owner
707-499-2831
Contact Me

Blog: Mortgage Information

Which ARM is the Best Alternative?

How would you like a mortgage loan where you did not have to make the whole payment if you did not want to? Or would you like a loan with an interest rate about 1% below a thirty-year fixed rate mortgage and pay zero points? Or a loan where you did not ha... Read more

WHAT’S A FICO®?

What is a FICO® Score? FICO® stands for Fair Isaac & Company and is the name for the most well known credit scoring system, used by Experian. The credit bureau’s computer evaluates a complete credit profile and assigns a score, which is... Read more

Types of Mortgage Lenders

Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is conside... Read more

Your Savings and Down Payment

Your First Step Toward Buying a Home When preparing to buy a home, the first thing many homebuyers do is look at the real estate ads in newspapers, magazines and listings on the Internet. Some potential buyers read how-to articles like this one. The next... Read more

FICO® Scores and Your Mortgage

Years ago, credit scoring had little to do with mortgage lending. When reviewing the credit worthiness of a borrower, an underwriter would make a subjective decision based on past payment history. Then things changed. Lenders studied the relationship be... Read more

Vern Bonham III
Shelter Cove Realty
P.O. Box 896
Garberville, CA 95542
Office: 707-499-2831
Contact Me

Vern Bonham III, Broker

Shelter Cove Realty,

Coastal Land & Home Specialist since 1972

Trusted ☆ Respected ☆ Recommended

Testimonials

We met Vern about a year ago and not only did we find him to be the most knowledgable real estate agent in the Cove but he is no doubt the friendliest and most honest real estate agent we have ever met!! He knows "how to live" in the Cove". He says he knows the Cove and he does!! Vern has made us feel like we are prepared to live our dream in Shelter Cove! Vern is an invaluable friend and a real asset to the community! Give him a call..... you'll be doing yourself a favor!! Matt & Delisa Shimon, Shelter Cove Home Owner
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