Retirement should be your time to relax and enjoy life. But if you’re like many American seniors today, you might be feeling the pinch of rising costs. Healthcare expenses that seem to climb every year and inflation eating into your fixed income can be a lot to manage.
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.
Is a Reverse Mortgage Right for You?
How to Purchase a Home Using a Reverse Mortgage Loan
What if you could buy your dream retirement home without monthly mortgage payments?
If you’re 62 or older and thinking about making a move, traditional mortgage loans might feel overwhelming. The thought of taking on new monthly payments in retirement can be stressful, especially when you’re living on a fixed income.
5 Tax Changes for Homeowners in 2025 That Could Save You Money
Owning a home has always come with benefits—both emotional and financial. But the 2025 tax changes for homeowners are giving buyers, longtime homeowners, and investors more reasons to celebrate.
APM Elevate: July 2025
REACH YOUR GOALS
Travel Smart and Live a Little...Or a Lot
While Americans haven't lost interest in the traditional summer vacation, fewer are planning to fly to exotic locales this year. Instead, road trips are becoming more popular, especially as fuel prices are easing and more of us are charging our vehicles.
How to Bridge to Buy: Your Guide to Buying Before Selling
Buying a new home while still owning your current one can feel overwhelming—but it doesn’t have to be. Whether you’re relocating, upgrading, or simply found your dream home sooner than expected, there are strategic ways to make it happen without having to sell first.
Seller PreLock Program: The Secret to Selling Faster Today
Your home is more than a property. It’s where birthday candles were blown out and holiday memories were made. When it’s time to sell, you want the full value of your home.
APM Financial Fitness: July 2025
It's time for many Americans to decide on their vacation destinations, although fewer are headed to expensive, exotic destinations than in 2024. Consumers are concerned about continued economic volatility and possible overseas conflicts. However, would-be homebuyers are enjoying an increasing number of properties to choose from, as more sellers are entering the market and even lowering their asking prices.
Bridge Loans: Buy Before You Sell Your Existing Home
Are you dreaming of moving into a new home or condo that better fits your lifestyle but don’t know how you can confidently buy a new home while selling the one you’re in?
How Does a Home Equity Line of Credit Work?
If you’re in need of cash but already have a killer rate on your first mortgage, and you don’t want to pay the high interest rates associated with a credit card, then a home equity line of credit—HELOC for short—may be the perfect solution. HELOCs work by utilizing the equity in your home. You’ve worked hard and consistently made your monthly payment, so why not let all the equity you’ve built up in your home now work for you?
DSCR Loans: Grow Your Real Estate Investment Portfolio
For real estate investors looking to scale their portfolios, navigating traditional mortgage qualifications can be a significant roadblock. Standard underwriting methods often require extensive income documentation, tax returns, and debt-to-income calculations that may not reflect an investor’s true financial picture—especially if they own multiple properties or operate under a business entity.
APM Elevate: June 2025
REACH YOUR GOALS
The Year of the Great Decide
Earlier this year, a national investment firm conducted a survey they dubbed "The Great Decide". Over 2,000 respondents shared their financial concerns and plans for 2025 and beyond.
APM Financial Fitness: June 2025
Many consumers are already feeling the stress of possible tariff-related price hikes, even though inflation has actually cooled and interest rates are seeing less volatility. However, many Americans are being proactive with their budgets in a variety of ways. For example, more consumers plan to dodge tariff pricing by purchasing locally-made goods and switching from retail stores to eBay and similar markets.
Access Your Home Equity with a Cash-Out Refinance
Most people understand that owning real estate can be a great investment. What they may not realize is that this investment can begin to pay off while you still own the home!
10 Ways to Use Your Home Equity
If you’ve owned a home over the past several years, chances are you have a smile on your face. That’s because you’ve probably watched your home’s value go up and up (and up). This is where all that scrimping, saving, and stressing over the homebuying process really pays off.
APM Elevate: May 2025
REACH YOUR GOALS
The Return of the Buyer's Market?
After years of sparse property listings, would-be buyers are finally seeing more FOR SALE signs. This is translating into more opportunities, especially in some warm-weather states.
APM Financial Fitness: May 2025
April brought a mix of financial headlines—from new global tariffs to shifting trends in home financing. But don't worry, we've sorted through the noise to bring you practical tips and timely insights. In this issue, we're covering mortgage options for self-employed buyers, how to choose the right dental insurance, pet-friendly travel trends, and what tariffs could mean for your wallet. Whether you're planning your next move or just keeping an eye on your finances, there's something here for you.
STaR Loan Program: Home Loans for Public Servants
At American Pacific Mortgage, our STaR Loan Program provides mortgage loans for public servants and the other heroes who serve our communities.
Mortgage Loans for Police Officers & First Responders
Police officers, correctional officers, and first responders play a vital role in maintaining safety and supporting the structure of our communities, often working under high-stress conditions and making personal sacrifices in the process.
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