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American Pacific Mortgage Blog

3 Tips to Getting Financial Assistance with Your Down Payment

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 ...
What is a Temporary Buydown?

What is a Temporary Buydown?

A temporary buydown is a loan where the interest rate is bought down temporarily for the first few years of the loan.  This can help a buyer ease into the full mortgage payment at the beginning of the loan term. How does a 2-1 temporary buydown work? The rate is bought down for the first two ...
Choosing the Right Neighborhood for You

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 ...
Top 5 Questions to Understanding Your Credit Score

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.   2. How is a Credit Score Calculated?  ...

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