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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.

Planning to Buy a House in the New Year

The New Year is full of new goals. For many, planning to buy a house is one of them—and who could blame them? With interest rates teetering at historic lows, the door for many borrowers has been opened, and these rates have provided some borrowers the opportunity to increase their price range.

If you’re ready to get the process started to ensure you’ve got all your ducks in a row when it comes time to pull the trigger and submit an offer on a house, APM is here to help with planning tips for buying a home in the new year.

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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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5 Questions to Ask a Real Estate Agent

Buying a home is undoubtedly one of the most difficult decisions you’ll make. After debating the pros and cons of homeownership -- and there are many -- you’ll have a whole new set of questions that will keep you up at night. Yes, you’ll have tons of question to ask of your real estate professional. If you’re lucky, you’ll find a knowledgeable, credible agent with lots of experience who may even answer those late-night questions before you tap snooze the next morning. Hiring a realtor that fits your expectations is imperative to the home-buying process. So, where do you start?

 

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Loans to Help You Buy and Renovate a Fixer-Upper

Have you started dreaming about your perfect home? Maybe you found just the charmer you were looking for in that mid-town location but it’s a fixer upper and needs extra love and attention. The price might be within your range, but can you afford the costs of all the repairs and remodeling needed to turn it into your dream home? Good news for you - whether you’re a first-time homebuyer or looking to refinance or invest, American Pacific Mortgage has fixer upper home loans that can make purchasing and renovating a home an affordable option! These loans are called Renovation Loans.

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Manufactured Homes can be an Affordable Option in a Hot Market

In hot real estate markets, it can be frustrating to get a foot in the door of home ownership.  Manufactured homes are becoming more and more popular as an affordable option but have traditionally been difficult to finance.  Our Manufactured Select program seeks to change that and has been designed specifically to give home buyers more options for affordable housing.

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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.

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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.

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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.

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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.

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Top 3 Tips for Making Home Offers that Sellers Will Love

Maybe you’ve been dreaming about becoming a homeowner, but news about competitive real estate markets has made you nervous. According to Redfin’s recent report, the number of homes for sale has dropped significantly, leading to low inventory and increasing prices. This has created a market where buyers may have to compete for available homes. You’re wondering - do you have a chance of buying a home or should you wait?

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What to Expect During the Home Loan Closing Process

You’re getting ready to purchase that home you found in the perfect neighborhood. But what happens between the time your offer gets approved and the keys are handed to you? If you have never purchased a home, the home loan closing process may seem like a bit of a mystery and an overwhelming number of steps to complete. We’re here to walk you through the process so you know what to expect and are prepared for what’s to come next.

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High Asset Home Loans Open the Door to Homeownership

You decide to start the process of purchasing your dream home but suddenly realize that you are going to run into issues when you have to prove your income level. Maybe you’ve had problems getting a loan in the past due to unsteady income. You have a high level of assets, but can’t show a consistent monthly paycheck, so what can you do? Thankfully there are high asset home loans that can open the door to your homeownership dream! American Pacific Mortgage offers an Asset Inclusion Loan Program that might be an option for you.

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Affordable Homeownership - Peak Home Loan Programs Allow 5% Down Payment

Is it your time to buy? Time to buy the home that really fits your family; time to make your backyard into an oasis; time to experience the peak of home ownership. American Pacific Mortgage can help you realize those dreams with new home loan programs. Our brand new Peak loan programs can make buying a home more affordable and help you get access to the equity you need.

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Having Difficulty Qualifying For Any Home Loan Programs Even With a High Net Worth? Consider Our Asset Inclusion Loan Program

It can be challenging for some to qualify for a mortgage, even with a high net worth.

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Bridge Home Loan Programs: Purchase a New Home Before Your Existing Home is Sold.

Are you dreaming of moving into a new home or condo that better fits your lifestyle, but don’t know how you can confidently buy a new home while you sell the one you’re in?

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Maximize Your Dollar to Get Into Your Dream Home With APM’s New High Balance and Jumbo Solutions Programs

At American Pacific Mortgage, we are committed to helping you make an informed decision during the mortgage process. After getting to know you, our loan advisors use their expertise to make loan recommendations that fit your particular needs. We are able to pull from a variety of options, including our specialty loan programs that were developed to help solve barriers our borrowers face.

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How To Estimate Your Closing Costs When Buying A Home

When you are purchasing or refinancing a home, there are various expenses, you will need to plan for, including closing costs. You can be well prepared for these finances by learning more about closing costs. 

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How To Qualify As A Police Or Correctional Officer For Our Star Loan Program

We salute our police and correctional officers. They sacrifice day in and day out in their line of work to keep our homes, streets, cities and families safe. They often put their own lives at risk on the job. Their heroism does not go unnoticed by us at American Pacific Mortgage.

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