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Our Blog Puts YOU in the Driver’s Seat

Helping customers like you achieve their financial goals is all we do, which is why we’re arming you with our expert insight, tips, and advice to help you get there.

APM Financial Fitness: March 2024

Last month saw the start of the Lunar New Year, which is the Year of the Dragon. It's an auspicious year, as it's believed that children born this year are destined for success. Some famous Dragon babies: Keanu Reeves, Rihanna, Dr. Martin Luther King Jr, John Lennon and Peyton Manning.

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Who Qualifies as a First-Time Homebuyer?

We know the story: Part of you is thinking about homeownership, but another part is unsure whether you’ll qualify as a first-time homebuyer. The mortgage process can seem intimidating the first time around, which is completely understandable. You haven’t owned a home before! 

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8 Questions Homebuyers Should Ask About Mortgages

We know you know that buying a house is a major investment—one that can pay off in more ways than one, but still a major investment. This can weigh on a first-time homebuyer who has never made such a large financial commitment.

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Down Payment Assistance Options For First-Time Homebuyers

One of the biggest hurdles for many first-time homebuyers is getting that down payment together. We understand, especially if you’re trying to scrape together 20% of a home’s purchase price [insert large gulp here]. 

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Interest Rate Buydowns: Permanent vs. Temporary Buydowns

Many would-be homebuyers are feeling the pinch from rising interest rates, but you don’t have to! APM has buydown options to help you reduce your mortgage interest rate and get you the lowest monthly payments possible. 

Interest rate buydowns are the key to lower interest rates, a smaller monthly mortgage payment, and saving you money.

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APM Elevate: February 2024

It's the month of love and we wanted to share some financial love with you in celebration! Below are some articles about smart money moves, buying investment properties (hint: down payment requirements have changed!), and ways to save in filing your taxes this year. We even included a delicious salmon recipe if you're feeling like a spring meal!

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The Pros and Cons of Buying New Construction

Are you having a rough time finding the exact home that meets your vision? Then building your dream home may be the right strategy for you. A custom home can take a few forms.

This label encompasses everything from buying a newly built home that allows for a few customized home plans to hiring a custom home builder who can tailor every plank, light switch, and master bedroom angle to your exact specifications.

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6 Things to Know Before Building a Custom Home

Building your dream home is the most amazing thing ever (next to your kids), but like your kids, it requires careful planning and consideration. There are upfront tasks and considerations that may not come to mind, especially if you’ve purchased an existing home before and feel like this isn’t your first rodeo.

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APM Financial Fitness: February 2024

As we step into the month of love, let's show some affection to our finances! It's a good time to take a look at where your money is and whether it's working for you.



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APM Spotlights Black History Month

At APM, we feel that the best way we can honor the heritage of our APM family members during Black History Month, is by listening and learning from the stories they share. 

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Is Building a Home Right for You?

Searching for a home can be an exciting process, but this journey can quickly get frustrating if you can’t find what you’re looking for. As we all know, buying a home involves more than just the actual real estate. You have to consider the neighborhood, surrounding amenities, outdoor space, and of course the actual home and its features. 

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APM Elevate: January 2024

As we move through January, we've been reflecting on the enduring values championed by Martin Luther King Jr.

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Protect Your Credit Score During the Home-Buying Process

Protecting your credit score is important all the time, but even more so when you’re thinking about buying a home and need a mortgage loan. That’s because there aren’t many other times in our lives when we need a loan amount of this size.

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How to Set Achievable Financial Goals

New year, new goals, right? When it comes to personal goal-setting, creating financial goals can be one of the most meaningful things you can do for yourself and your family.

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What Is a Good Credit Score to Get a Mortgage Loan?

Before you go too far down the house-hunting rabbit hole, you’ll want to ensure that you meet the credit score requirements to secure a mortgage loan. After all, this mortgage loan will allow you to purchase your dream home. And while many factors go into qualifying, a good credit score is definitely one of them. 

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Budgeting for Homeownership in the New Year

Now that the holidays are behind us, it’s time to put those New Year’s resolutions into full effect. If yours include financial goals like saving for retirement, paying off student loan debt, or buying a home, then read on for some solid financial planning advice, and make sure to download our personal budgeting guide here.

The new year is a great time to think about budgeting for homeownership. When you do this correctly, you can get into your own home more quickly than you might expect.

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Buy a Home Now, Refinance Later at Reduced Fees

The real estate waiting game is no fun. But with today’s high interest rate, some would-be buyers think it’s prudent to play if they want to secure the best homeownership deal. The problem with that is you miss out on homeownership opportunities today, including less competition and falling prices in many markets.

 

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APM Elevate: December 2023

As we dive into the celebrations this month, we hope your time with loved ones is filled with laughter, and that all your dreams of peace and harmony light up your days. Cheers to a season of joy and happy moments!

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TOP POSTS

Understanding a 3-2-1 Interest Rate Buydown
Understanding a 3-2-1 Interest Rate Buydown
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How Much One Extra Mortgage Payment Can Save You
How Much One Extra Mortgage Payment Can Save You
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What You Need to Know about Sales Price vs. Appraised Value
What You Need to Know about Sales Price vs. Appraised Value
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RECENT POSTS

APM Financial Fitness: March 2024
APM Financial Fitness: March 2024
Read Article
Who Qualifies as a First-Time Homebuyer?
Who Qualifies as a First-Time Homebuyer?
Read Article
8 Questions Homebuyers Should Ask About Mortgages
8 Questions Homebuyers Should Ask About Mortgages
Read Article