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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.

APM Honors Women’s History Month

Foreword by CEO Bill Lowman:

As a CEO in the later stages of my career, my desire is to leave behind a legacy of inclusivity and equality, being part of much-needed and long-awaited change for our industry.

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Factors That Influence Mortgage Interest Rates

There are a few really important numbers when it’s time to obtain a home loan: your credit score, the amount you want to borrow, and the interest rate. The news is full of talk about interest rates lately. Will they go up? Will they go down? Will they stay down? When they go up, how far will they go?

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5 Benefits of Non-Conforming Loans

A non-conforming loan is any loan that doesn’t adhere to the Fannie Mae and Freddie Mac lending guidelines. These government-sponsored enterprises (GSEs) have certain rules that loans—referred to as “conforming loans”—have to meet regarding loan amount and credit score.

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Construction Home Loans: Breaking Down the Loan Process

It’s easy to get tunnel vision when you’re building a new home and it’s nearing completion. You can practically feel that beautiful wooden banister and picture your shoe collection in that marvelous walk-in closet. These visions keep you going when your home is being built, but before you pack up those shoes, you want to make sure you understand the loan process, especially how your permanent loan finalizes. 

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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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What to Expect When Getting a Construction Home Loan

Building a new home can bring about a ton of questions—you may be mulling over everything from picking a builder and finding a location to deciding on the specific features you want. And that’s to say nothing of the home’s financing. Unlike an existing home with a permanent mortgage, building a home typically requires a home construction loan—at least during the construction phase. Thankfully, our construction lending team has you covered! We’ve streamlined the construction home loan process so you know exactly what you’ll be dealing with.

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3 Ways to Get Creative when Paying Closing Costs

You finally found your dream home and are ready to start down that road to homeownership. It’s such an exciting time! … But then there are the fees. Underwriting fees, application fee, origination fees, recording fee, appraisal fee, and many others. Closing costs include so many fees that you may start to wonder if you’re really as ready to buy a home as you thought you were. 

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Is Building a Home Right for You?

Let’s face it: Looking for a home isn’t always as fun as it sounds. Cruising Zillow may have become a national pastime, but when it comes to actually pulling the trigger, frustration can sometimes overshadow the fun. Buying a home not only involves finding a house you’re in love with—which can be a feat in and of itself—but you also have to compete with other bidders who love that home just as much as you do. 

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How to Get a Home Loan with No Credit

It’s true that credit can be an important part of qualifying for a home loan, but it’s not the end-all and be-all. There are buyers who get a home loan with little or no credit—the process just takes a few extra steps. 

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How Your Credit Score Is Calculated

You know credit scores are important, but you may be wondering how they are calculated and what the big deal is. This all-important number can be looked at for a multitude of reasons: when you get a job, lease an apartment, open a new account, or apply for a loan—including a home loan.

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Tips to Improve Your Credit Score

Your credit score is an important factor when it comes to buying a home. That’s because it gives your lender a snapshot of how responsible you’ve been as a borrower through your payment history—which means they can assess how responsible you’re likely to be as a borrower going forward. 

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What to Do if Your Home is Burned or Destroyed by Wildfires

If you or your loved ones have been affected by a wildfire, our hearts go out to you. In this time of hardship and loss, we at American Pacific Mortgage send you our deepest sympathies and can only hope for a sense of calm and safety to be restored for you as soon as possible.

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What Is a Good Credit Score to Buy a House?

Before you go too far down the house-hunting rabbit hole, you’ll want to make sure you can qualify for a home in the price range you want. Though many factors go into this, your credit score is definitely one of them! 

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How to Set Effective New Year's Resolutions

The clock is ticking, but we still have a little time before 2022 is upon us. This year, no one could blame you for simply surviving the challenges that 2021 brought, but for those who want to thrive in the new year, setting a few effective resolutions can be your key to success.

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Tapping Your Home Equity with a Cash-Out Refinance

Most people understand that a home can be a great investment. What they may not realize is that this investment can pay off while you still own the home! And we’re not talking about renting it out, either. 

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APM Gives Back with Annual Employee Giving Challenge

“We must give more in order to get more. It is the generous giving of ourselves that produces the generous harvest.” ―Orison Swett Marden

’Tis the season! APM’s annual employee Giving Challenge is underway. From November 30 to December 21, APM departments and branches engage in a friendly battle for the top spot in generosity. Points are awarded for acts of giving, including donating to a food bank or toy drive, participating in a local charity run, sharing pictures and video of fun holiday traditions, or enrolling in our nonprofit entity, APMCares. It’s a fun way to kick off the holiday season and encourage employees to get active and do good in our local communities.

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5 Ways to Use Your Home Equity

If you’ve owned a home over the past several years, chances are you have a great big 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. 

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Understanding Home Equity

Equity. The word alone sounds promising, doesn’t it? It should. Equity equals value, and it’s a great strategy for building wealth. 

But before you can put that equity to good use, you should first understand what home equity is.

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TOP POSTS

3 Ways to Get Creative when Paying Closing Costs
3 Ways to Get Creative when Paying Closing Costs
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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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Don’t Miss These Top 5 Tax Breaks for Homeowners
Don’t Miss These Top 5 Tax Breaks for Homeowners
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