Wine Country decisions without the noise

Buying in Santa Rosa often means balancing lifestyle, commute corridors, and wildfire insurance considerations—all while chasing the right rate. The Homebuyers Privacy Protection Act (H.R. 2808) brings relief by curbing most “trigger lead” solicitations that follow a mortgage inquiry. After signature, the law takes effect in 180 days.

Trigger leads: why they frustrated Sonoma County buyers

• Mixed rate quotes from unknown companies hours after applying.
• Unwanted calls, texts, and emails—sometimes with questionable claims.
• Confusion about who actually had your application.

The new law restores control to you.

What’s in the law

1. Bans the sale of trigger leads except when you explicitly opt in.
2. Allows contact by your current originator/servicer or existing-relationship depository.
3. Directs a study on text-message-based marketing.

Result: Fewer interruptions while you evaluate real options with a trusted lender.

Immediate steps for Santa Rosa buyers

• Opt out of prescreened offers.
• Use monitoring to spot inquiries fast (we help clients set this up).
• Share sensitive details only with providers you choose, via secure portals.

Get mortgage-ready: our Santa Rosa plan

1. Goal setting — payment targets, loan type, and timing.
2. Tri-merge audit — accuracy check, negative item strategy, personal info alignment.
3. Disputes & creditor responses — substantiated, sequenced, and tracked.
4. Optimization — utilization ratios, tradeline mix, aging, and rapid-rescore planning when appropriate.
5. 35-day updates — progress reports until you’re pre-approval ready.

FAQ

Can I still compare lenders? Yes. You should—but with intention. We’ll plan timing to minimize scoring impact.

Will every call stop? The law largely ends unsolicited outreach tied to trigger leads, with the limited exceptions above.

Make your next move in Santa Rosa

Protect your privacy, sharpen your credit, and shop with confidence.

Book Your Free Santa Rosa Credit Audit