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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.

Buying a Second Home with Family

You’d love to own a vacation home (who wouldn’t?!) but you’re not sure if you can afford it, or even qualify, on your own. Buying a vacation home with family can be the best of both worlds: you get the option—and prestige—of owning a second home, but you only have to pay a fraction of the costs.

 

Sounds like a dream come true, right? Buying a home with family can be, but that all depends. There are many factors to consider before you plunk down your hard-earned cash, sign those documents, and show up to your new vacation home…only to find your sister’s car in the driveway.

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Celebrating Halloween During a World Pandemic

Halloween, as well as our everyday lives, looks a bit different this year. We’re navigating through a pandemic and adapting at every turn. Halloween brings a unique set of problems when you have little ones, who sometimes plan months in advance for the big day. The good news is that we can still make it fun and safe  for everyone with a little planning and creativity. Here are a few out-of-the-box ideas to consider:

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Differences Between a Second Home vs. an Investment Property

You have your primary residence, but you’re thinking about buying a second home. Congrats! Being in a position to purchase another residence is a major accomplishment, and you should be proud of that.

The first thing you’ll want to do after celebrating your awesomeness is determine the function of this home. There are second homes that are exactly that—additional dwellings regularly used by you and your family. Then there are investment properties that are purchased with the explicit intent of renting them out as a source of income.

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Qualifying for a Second Home Loan

The American Dream is not one size fits all. For some borrowers, their goal includes owning a second home where their family can vacation while the asset builds equity. Whether that vacation home is a cabin in the mountains or a condo on the beach, this can be a totally attainable goal—as long as you understand the process of qualifying for a second home loan.

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Hispanic Heritage Month: Spotlight on APM Team Members

For Hispanic Heritage Month, APM celebrated all month long by highlighting some of our Hispanic team members who are going the extra mile to make our company and the communities we serve better places to be. We’re so grateful for everything these team members are doing and want to thank them for sharing their stories with us.

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Everything You Need To Know About Mortgage Loan Servicing

You’ve submitted all your financial documents, completed your paperwork and secured your new home loan or refinance. Pop some champagne and celebrate all that you have accomplished! Though this may feel like the end, it’s actually just a stop on your homeownership journey. 

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9 Home Offer Tips to Get Your Dream Home Under Contract

Identifying your dream home is an important step in the homebuying process – but you’ve still got to close the deal! Putting in an offer on a home can be nerve-racking. After all, once your offer is submitted, it’s out of your hands and up to the seller. This is why you should do everything possible beforehand to ensure your offer stands out from the rest and looks as attractive as possible to the owner.

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Balancing Work and School in the Home

The new COVID world has been challenging for all of us. From working from home, while assisting children with distance learning, and trying to keep a household running is a lot on the plate! With this new normal, we’ve put together a few tips to help balance the thousand balls you have in the air. 

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7 Reasons to Refinance with These Low Rates

Today’s low interest rates have spurred interest in something else: refinancing! There has never been a better time to refinance your mortgage if you’re looking to secure an insanely low rate. 

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Front-Line Workers: We’ve got a Mortgage Discount for YOU!

You’ve been amazing in your dedication to helping our country and communities as we grapple with the COVID-19 pandemic. While we know your job is far from over, we want to show our appreciation by offering front-line medical professionals a mortgage discount that puts a little more money back into their pockets.

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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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Pre-Approval Can Add Certainty to the Homebuying Process in 2020

We’re all searching for a little certainty nowadays. At a time when it seems like everything is changing, you can at least buy yourself a little peace of mind in the homebuying process by getting pre-approved. 

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Top 5 Benefits to Using a Realtor When Selling Your Home

You know you want to sell your home. The only issue left to decide now is whether you sell it yourself or enlist a real estate agent to help you. This is always an important decision…but it’s even more so in the current pandemic. The logistics of selling a home today are multiplied as health and security have become even bigger priorities.

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4 Things To Look For When Choosing Your New Neighborhood

Moving to a new neighborhood can be so exciting! You’ve got a new home to make your own, a neighborhood to explore and different amenities at your disposal. This is a brand-new chapter filled with endless possibilities! 

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7 Things To Consider When Buying & Selling a Home Simultaneously

There may be no greater example of multi-tasking than when you’re buying and selling a home simultaneously. It can feel like you went from 0 to 100 in no time flat! Whether you’re chomping at the bit to get settled into your new home or ecstatic about the price you secured for your current home, we know you have plenty of activity to go around. 

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5 Things To Consider If You’re Thinking About Relocating

Relocating is on the minds of many Americans right now for a few reasons. These include the current work-from-home (WFH) culture spurred by COVID-19, career changes and low interest rates. Companies like Facebook, Google and Twitter have even given many employees the permanent option of working from home. This is causing change in our major cities as workers consider where they would want to live if their job’s location wasn’t a factor.

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Creative Ways to Celebrate Independence Day from Home

Like pretty much everything else in 2020, the Fourth of July may look a little different this year, but that doesn’t mean you can’t celebrate with your own backyard bash! There are plenty of safe activities you can do while making good memories. And who knows? Maybe they’ll become a new family tradition.

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Is Now The Right Time To Buy A Home?

Just when, exactly, is it the right time to buy? That’s the million-dollar question! While no one can definitively answer that for you, there are a few facts you should take into consideration that may provide you with more clarity.

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