Arcata Mortgage BrokerServing Humboldt County
For more than 35 years, Martin Swett has helped buyers, homeowners, and refinancers across California’s North Coast find the right loan with honest guidance, local knowledge, and real numbers.
I get it — securing a loan is a tricky process. My job is to guide you through it, one honest conversation at a time.
Home Loans for Humboldt County
Purchase Loans
Home purchase loans for buyers in Arcata, McKinleyville, Eureka, and throughout Humboldt County. Get clear numbers before you start shopping.
Refinance
Rate-and-term and cash-out refinance options for Humboldt County homeowners who want to lower payments, access equity, or restructure their mortgage.
FHA, VA & USDA Loans
Government-backed home loan options that may help qualified buyers with lower down payments or rural property financing.
HELOC
Home equity lines of credit for homeowners who want flexible access to equity without refinancing their first mortgage.
First-Time Home Buyers
Plain-English guidance for first-time home buyers in Humboldt County, from pre-approval to closing day.
Home Loans Across Humboldt County
Based in Arcata, Swett Equity helps home buyers and homeowners throughout Humboldt County, including Arcata, McKinleyville, Eureka, Bayside, Blue Lake, Trinidad, Fieldbrook, Fortuna, Ferndale, Rio Dell, Willow Creek, and nearby North Coast communities.
- Arcata, CA
- McKinleyville, CA
- Eureka, CA
- Bayside, CA
- Blue Lake, CA
- Trinidad, CA
- Fieldbrook, CA
- Fortuna, CA
- Ferndale, CA
- Rio Dell, CA
- Willow Creek, CA
Local Mortgage Guidance for Real Humboldt Homes
Humboldt County real estate is not always simple. Older homes, rural properties, coastal cabins, unique appraisals, insurance questions, septic systems, wells, and small-town market conditions can all affect the loan process. Martin brings decades of local experience to help buyers understand the path before they are deep into the deal.
A pro who actually picks up the phone.
With thirty-five years of mortgages closed on the North Coast, Martin has seen every rate cycle and every kind of property — from Victorian Arcata farmhouses to coastal cabins in Trinidad. He treats every loan like it’s his own.
“A talented problem solver. Whip-smart, thoughtful, and a great listener. You just can’t do better.”— Christel Collins
Common Questions from Humboldt Buyers
Do you help first-time home buyers in Humboldt County?+
Yes. Swett Equity helps first-time buyers understand pre-approval, loan options, down payment expectations, monthly payment estimates, and the steps from offer to closing.
Do you work with buyers outside Arcata?+
Yes. Swett Equity is based in Arcata and serves buyers and homeowners throughout Humboldt County, including McKinleyville, Eureka, Trinidad, Bayside, Blue Lake, Fortuna, Ferndale, and surrounding communities.
Can you help with refinancing?+
Yes. Martin can help homeowners compare refinance options, including rate-and-term refinancing, cash-out refinancing, and HELOC options when appropriate.
Do you offer FHA, VA, and USDA loans?+
Yes. Swett Equity can help qualified borrowers explore government-backed loan options, including FHA, VA, and USDA loans.
Why use a local mortgage broker?+
A local mortgage broker understands the area, local property types, local market conditions, and the issues that can come up with Humboldt County homes. Martin brings more than 35 years of North Coast mortgage experience.
From the Desk
First-Time Buyer in Humboldt: A Step-by-Step Field Guide
From pre-approval to keys in hand — the path most people don't see until they're standing in the middle of it.
Does a Refinance Still Make Sense in 2026?
A simple framework for deciding whether the math actually works for your situation.
Let’s talk about your loan.
Honest answers, real numbers, no pressure.