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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.

American Pacific Mortgage

Recent Posts

APM Elevate: May 2024

As spring kicks into gear, we're all about making sure you're in the know and feeling confident about your money matters. This month, we've cooked up a mix of juicy topics for you. Wondering how different generations value their time? Curious if an adjustable rate mortgage could be your thing? We've even got a quick Bitcoin update and some fun decorating tips to spruce up your space! So, grab a seat, get comfy, and let's dive into the world of home sweet homeownership and finance together.

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APM Financial Fitness: May 2024

Summer's right around the corner, and so is the time of year when more of us think of buying or selling a home. However, inflation is still hanging around, which means that the interest rate cuts expected this year haven't yet happened. It is still to be seen if this will affect the residential real estate market, and to what extent. The news isn't all bad, though; unemployment remains low, and US stock markets rallied during the first months of 2024, rising by over 10%.

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Celebrating Asian American, Native Hawaiian, and Pacific Islander Heritage Month

May is Asian American and Pacific Islander Heritage Month, a time for recognizing their significant contributions to the history, culture, and achievements in the United States. (Go here to learn more.)

At APM, we wanted to take this opportunity to learn more about our APM Family and what their history, culture, and heritage means to them.

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How to Build Wealth with Real Estate

What do you think of when you picture a real estate investor? Is it a Donald Trump type in a snazzy suit sitting high up in an ivory tower?

You may not realize it, but anyone who owns a home is technically a real estate investor—which means the title is up for grabs for just about anyone. You simply have to know how to get started. 

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APM Elevate: April 2024

It's that time of year when everything seems to come alive, including our spirits! Whether you're dreaming of a new home, thinking about refinancing, or just curious about your options, APM has your back. So kick back, enjoy the sunshine, and let's make this month one to remember. Here's to finding your perfect place to call home and making some great memories along the way!

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APM Financial Fitness: April 2024

As April blossoms forth, signs of renewal are all around us. Though inflation and the specter of higher interest rates linger, there's hope in the air. Forecasters predict a gradual upturn in the residential real estate market, with more new constructions and existing homes hitting the market throughout 2024, akin to buds bursting into bloom. Moreover, consumers may find relief in their finances following the recent decision by the CFPB to rein in bank overdraft fees and credit card late payment charges, promising a brighter financial landscape ahead.

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APM Elevate: March 2024

As we transition into the spring season, we're excited to share valuable insights and updates from the world of home finance.

In this edition, we'll delve into important industry trends, provide helpful resources to empower you on your homeownership journey - and even share a few tips about your IRA and changes to credit card late fees that are on the horizon.

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Don’t Miss These Top 5 Tax Breaks for Homeowners

When you own your own home, you want to make sure you take every deduction possible to maximize your tax refund. Many people view these refunds as “found money,” but they’re really not. It’s money that you’re entitled to receive back…as long as you claim the proper deductions.

Owning a home is often considered a cornerstone of the American dream. Beyond the pride and security of homeownership, there are also financial perks that come with it, particularly when it comes to tax benefits. Understanding these tax advantages can mean significant savings and a more efficient financial strategy for many homeowners.

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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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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 Elevate: May 2024
APM Elevate: May 2024
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APM Financial Fitness: May 2024
APM Financial Fitness: May 2024
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Celebrating Asian American, Native Hawaiian, and Pacific Islander Heritage Month
Celebrating Asian American, Native Hawaiian, and Pacific Islander Heritage Month
Read Article