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.
6 Tips to Bring Spring Indoors
Creating Experiences That Matter™ with our Employees
At American Pacific Mortgage (APM), we know that Creating Experiences That Matter™ for our customers starts at home. That’s why we take time every year to recognize employees who live our culture and values every day, and go above and beyond for our clients in every interaction.
4 Ways to Use Your Home Equity
The last several years have been very good for property values for most areas of the United States. According to the National Association of Realtors market growth will likely flatten out a bit for 2019, but still continue to improve at a more moderate pace.
Using a Bridge Loan to Buy While Selling
Looking to Buy While You Are Selling?
Buying a home is thrilling and exciting and terrifying all at once. Add in the fact that you haven’t sold your current home, and there are many more moving parts to your transaction. In a hot real estate market, sometimes you have to jump in and make an offer before you’re quite ready (or able) to sell your current home. If you have a hefty savings account and income sufficient to qualify for both of your mortgages, it might not be a problem, But for millions of homeowners, this scenario requires a different solution.
10 Tips for a Kids’ Birthday Bash Without Breaking the Bank
Let’s face it, throwing a birthday party for kids these days can be a huge undertaking. Besides the fact that parties are getting out of hand, they’re hitting our pocketbooks harder than ever. Here are 10 tips for kids’ parties that can help create a fun experience without breaking the bank.
Getting Pre-Approved Before You List
Deciding to sell your home can be an exciting, albeit stressful, time. One way to take some of the pressure off is to get pre-approved for your next home purchase before you list. Why would this take the pressure off? Let’s explore the options this opens up for you:
APMCares Is Creating Experiences That Matter™ in Communities Across the Country
As part of American Pacific Mortgage's (APM) vision to Create Experiences That MatterTM, the APMCares Foundation serves to provide the means for its partners and employees to make a difference in various communities through time and financial donations.
Buying a Home When You Haven’t Sold Yet
Buying a new home is an exciting time for nearly anyone, but when you still haven’t sold your old home it can get a bit tricky. There are a few scenarios to think about – all of which have ways for you to help make the process a little easier – and hopefully a lot less stressful.
How to Start the Home Buying Process
If you’re thinking about purchasing your first home, you may feel overwhelmed or confused on where and how to start. What are the first steps? Who should you talk to first? What professionals should you use?
Starting the home buying process doesn’t have to be overwhelming or confusing. At American Pacific Mortgage, our loan advisors are here to help you navigate the entire process and walk you through it.
3 Tips to Getting Financial Assistance with Your Down Payment
Thinking about buying your first home is an exciting process. It can also be stressful, especially for those who are unsure how they will come up with a down payment. The National Association of Realtors found that 25% of individuals feel that saving for a down payment is the most difficult part of the homebuying process.
Choosing the Right Neighborhood for You
When you’re shopping for a home, choosing the neighborhood that works for you is just as important – possibly more important – as choosing the right home. Knowing what you’re looking for is half the battle, and knowing where to look to get the information you need can help make your decision easier.
Top 5 Questions to Understanding Your Credit Score
1. What is a Credit Score?
A credit score is a three-digit number used to determine the creditworthiness of an individual and is created by the Fair Isaac Corporation (FICO). The score is calculated based on an analysis of a person's credit history and files.
Avoid These 5 Common Credit Mistakes Before Purchasing a Home
You may have checked your credit score once or twice over time as you applied for credit cards, loans, or even new jobs. But have you thought about it much since then? As you reach the point of thinking about homeownership, it’s important to learn about your credit. Your credit score is an important piece of obtaining a home loan. We can help you by sharing some common credit mistakes to avoid.
Credit Score: Here's What You Should Know When Buying a Home
If you are thinking about buying a home, it’s a good idea to know your credit score and understand how that score will affect your interest rate and payments. You can take the right steps now to improve your credit score, so you have more options when the time comes.
How Your Credit Score is Calculated
You’ve heard about credit scores and know that they are considered important, but why should you care about your credit score? Your credit score is looked at for multiple reasons - sometimes by employers, landlords, your bank, but also anytime you apply for a loan, including a home loan. Understanding credit scores and how they’re calculated will help you check into and improve your own score so you can have better credit when you are ready to purchase or refinance your home.
History and Proper Display of the American Flag
The American Flag is viewed as a symbol of freedom, liberty, and human rights, but did you know that the current design is the 27th? It’s been modified officially 26 times since 1777, most recently by president Eisenhower in 1959 (officially adopted in 1960) with its current 50-star design. The current design is the longest tenured, having been in use for over 58 years.
American Pacific Mortgage Supports Veterans
American Pacific Mortgage has long been a supporter of the Veterans community, having provided VA loans for most of our history. We have an entire division dedicated to education, training, and assistance for loan originators so that we as a company are providing the very best possible service to our Veterans.
Doctor Loan: Expanded Access for Medical Professionals
Doctors, dentists, surgeons, veterinarians and medical students have some of the highest student loan balances, and therefore may have a difficult time qualifying for a mortgage, when compared to other professions. Lenders underwrite loan transactions using a calculation for student loan payments that can work to keep these highly trained professionals out of the housing market.