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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

12 Pet-Friendly Tips for a Safe, Festive Holiday Season

Our four-legged loved ones are always there to share in the merriment, and the holiday season is no exception. Unfortunately, their enthusiasm can sometimes lead to mischief and mayhem.

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The Importance of an Annual Mortgage Review for Homeowners

Just as we prioritize our physical well-being with annual checkups with our doctors, it’s important to take a moment each year to assess our financial health. One of the essential financial checkups is the annual mortgage review.

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15 Ways to Make This Holiday Season Memorable Without Breaking Your Budget

The festive season is upon us! Unfortunately, it’s also the time of year when many of us find ourselves buried in credit card debt. While we all want to capture the perfect Instagram-worthy moments with family and friends, overspending can quickly dampen our holiday spirit.

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APM Elevate: November 2023

As we gather in gratitude for the year's journey, we reflect on the steadfast spirit that binds us together. In this month's newsletter, we aim to provide you with insightful updates on the ever-evolving landscape of the mortgage industry, ensuring you stay informed and empowered in your homeownership journey.

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8 Ways to Give Back as a Family This Holiday Season

The holiday season is quickly approaching, which means it’s time for big meals, family get-togethers, and festive decorations. During all the happy chaos, however, we also need to remember that it’s a season for giving.

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Buy a Home with 1% Down Through APM’s 1% Home

It’s a tough market out there right now for people who are looking to buy a house. Whether you’re a first-time homebuyer or looking to move, the current mortgage rates and high home prices can be limiting. Many homebuyers are second-guessing whether now is the right time for them to buy.

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APM Honors Our Veterans

November is National Veterans and Military Families Month and also celebrates Veteran's Day. One of ways we like to honor and celebrate our veterans is by sharing the stories of what home and homeownership means to them.  

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6 Most Commonly Asked Questions About VA Loans

If you or a loved one have served your country and are now looking to buy a home, you may wonder if you qualify for a VA loan.

VA mortgage loans offer tons of benefits, like no down payment requirements, no private mortgage insurance (PMI) monthly payment, and flexible underwriting guidelines.

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The Biggest VA Home Loan Myths—BUSTED!

The VA home loan program is an amazing benefit for our deserving active-duty service members, veterans, and surviving spouses of veterans. While no one could ever repay you for the sacrifices you’ve made, the VA loan was created to make your dreams of homeownership just a little easier to achieve.

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What You Need to Know About Qualifying for VA Jumbo Loans

Getting a jumbo VA loan, which is a type of VA-backed home loan, offers several great advantages for eligible veterans and their surviving spouses. While there isn’t technically a jumbo VA loan (all VA loans are treated similarly, regardless of loan amount), it’s common to think of the larger loans to be “jumbo” for the sake of discussion. 

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Pros and Cons of Waiting to Buy a Home

Buying a home is full of questions. Should we? Shouldn’t we? Can I afford to? Can I afford not to? All these questions are deeply personal, which means their answers will depend on your financial situation and long-term goals. 

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Low Down Payment Options for Homebuyers

One of the obstacles that keeps first-time homebuyers out of the housing market is the misconception that they need to have a 20% down payment.

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APM Elevate: September 2023

REACH YOUR GOALS

Snoop a Little. Find Your Next Home.

If you're planning to buy a home in a certain neighborhood—perhaps your own?—you can limit your search to online listings. Or you can rethink your strategy and become an amateur detective, locating homes that aren't yet for sale, but may go on the market in a month or two. Here are clues that tell you that a property may be for sale soon. If you're lucky, you may be first in line to discuss a purchase.

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The Cost of Waiting to Buy a Home

When it comes to investments, many people say it’s all about timing. While that’s good advice in theory, there’s simply no way to time the market if you’re purchasing a sizable investment like buying a house. In a perfect world, interest rates and prices would both be low—and this does happen, but not very frequently.

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Hispanic Heritage Month: Spotlight on APM Team Members

National Hispanic Heritage Month is held each year from September 15 to October 15, celebrating the culture and significant contributions of Hispanic and Latino Americans.

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

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Should I Refinance My Home to Pay Off High Interest Debt?

High interest credit card debt can suck the life out of anyone. Paying off your credit card debt at today’s high interest rates can also take major sacrifice—but it doesn’t have to. Not if you’re a homeowner, anyway.

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APM Elevate: August 2023


REACH YOUR GOALS

Tell Your Home It's Payback Time With a HELOC

Even if you bought your home recently, property prices may have boosted your amount of home equity. This is because equity is comprised of two numbers: the amount of your mortgage you've repaid, plus any rise in appraised value. If you have over 20% equity in your home, you may be able to tap into your investment with a home equity line of credit (HELOC).

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8 Ways to Pay Off Debt

It’s no fun to have a lot of debt hanging over your head. It’s even less fun when that balance is large enough to keep you from doing the things you want to do and achieving the dreams you’ve always had.

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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

12 Pet-Friendly Tips for a Safe, Festive Holiday Season
12 Pet-Friendly Tips for a Safe, Festive Holiday Season
Read Article
The Importance of an Annual Mortgage Review for Homeowners
The Importance of an Annual Mortgage Review for Homeowners
Read Article
15 Ways to Make This Holiday Season Memorable Without Breaking Your Budget
15 Ways to Make This Holiday Season Memorable Without Breaking Your Budget
Read Article