APM BLOG

SCROLL
scroll arrow

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.

Interest Rate Buydowns: Permanent vs. Temporary Buydowns

Many would-be homebuyers are feeling the pinch from rising interest rates, but you don’t have to! APM has buydown options to help you reduce your mortgage interest rate and get you the lowest monthly payments possible. 

Interest rate buydowns are the key to lower interest rates, a smaller monthly mortgage payment, and saving you money.

Read Article

7 Red Flags to Look for When Buying a Home

It’s easy to get caught up in the fun of house hunting, but you also need to keep your eyes open for warning signs that the home you’re considering might not be a safe, sound, dependable dwelling. 

Thankfully, you can easily spot major red flags. You just have to know what to look for, have the right people on your side (hello, structural engineer, home inspector, real estate agents, and your trusted licensed pest inspector!), and go into your purchase with your eyes wide open.

Read Article

Access Your Home Equity with a Cash-Out Refinance

Most people understand that owning real estate can be a great investment. What they may not realize is that this investment can begin to pay off while you still own the home!

Read Article

The Most Common First Time Homebuyer Mistakes

You did it—you saved for a down payment and closing costs, worked on your credit score, determined how much house you can afford, got pre-approved, and became a first time homebuyer. We’re exhausted just listing all you’ve accomplished! You should be proud of yourself—very proud of yourself.

Read Article

7 Tips for First Time Homebuyers

You’ve decided you want to buy a home. You’re ready to look at listings, view the next open house, and pick your favorite paint colors—but not so fast! You need to make sure you’re financially ready first.

Read Article

This Is How Interest Rate Buydowns Benefit Home Sellers

Seller concessions almost never sound like a very good idea…to the home seller. For the prospective buyer, on the other hand, a little give here and there may be just what they need to close the deal and pay full asking price for your home. One of the most popular seller concessions in any real estate market is an interest rate buydown. 

Read Article

How to Qualify for First Time Home Buyer Programs

Qualifying for first-time home buyer programs may not be as hard as you think. These programs are specifically designed to help a first-time home buyer like you overcome some of the more common hurdles people face when buying a home. Those hurdles, of course, include saving for a down payment and the closing costs. 

Read Article

21 Creative Ways to Save for a Down Payment

The dreaded down payment. Whether you’re looking to fund the minimum down payment or put down more than the traditional 20%, this chunk of change can certainly be a challenge when you’re already looking at the purchase price, closing costs, and monthly payments on a new home.

Read Article

A Guide to Seller Concessions

There’s always a lot of back and forth when you buy a home. It’s called the negotiation process, and it’s one of the reasons you need a great realtor. Potential buyers want to secure the best sale price possible, while a seller wants to achieve their list price—if not more. Some sellers also want to sell as quickly as possible. 

Read Article

The Homebuying Process in 7 Easy Steps

The homebuying process…where do you even start? Buying a house may be a lifetime dream of yours, but for many buyers it can feel overwhelming at first. While it may seem like a lot, our APM Loan Advisors have your back. Our 100% focus is on getting hardworking people like you into the homes they deserve.

Read Article

Ready to Go: 30-Day Moving Checklist

Moving into your new home is so close you can almost taste it! While the excitement is building, the stress might be as well when you consider all the things that you have to do before then—large and small.

Read Article

Mortgage Education: What Is PMI?

It is possible to obtain a conventional mortgage if you have a low down payment, but the trade-off is having to accept private mortgage insurance—also known as PMI. If you’re putting down less than 20% on your home, this article is for you!

Here’s the lowdown on PMI, when you need it, how to pay for it, and some ways you can avoid it altogether.

Read Article

Top 8 Benefits of Using a Realtor to Sell Your House

You’re thinking about selling your home, but you’re stuck on the age-old question: Are you going to list your home yourself, or are you going to use a listing agent?

Read Article

The Dos and Don'ts of the Mortgage Process

The mortgage process can be stressful … we know. Bank statements, credit scores, interest rates, loan estimates, closing disclosures, and more can really bog you down during the homebuying journey. That’s why we’re offering you a quick list of do’s and don’ts to help you cut through the noise and create a speedy mortgage process so you can focus on the fun stuff: finding your dream home!

Read Article

6 Questions to Ask a Real Estate Agent

Buying a home is one of the biggest, most important decisions you’ll make. After debating the pros and cons of homeownership—and there are many—you may have a whole new set of questions about hiring a real estate agent.

Read Article

Buyers and Sellers: How to Hire a Real Estate Agent

Real estate agents are a dime a dozen, right? While it’s true that buyer’s agents and seller’s agents are in no short supply, a good real estate agent is something to appreciate. So how do you know if they’re good, and—even better—how do you know if they’re good for you

Read Article

The Value of a Realtor When Buying or Selling

Can you buy a home without a buyer’s agent? Of course you can. Just like you can sell a home without a seller’s agent. Here’s the deal, though: Those decisions tend to cost you time, energy and, most of all, money!

Read Article

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. 

Read Article
LOAD MORE

TOP POSTS

Understanding a 3-2-1 Interest Rate Buydown
Understanding a 3-2-1 Interest Rate Buydown
Read Article
How Much One Extra Mortgage Payment Can Save You
How Much One Extra Mortgage Payment Can Save You
Read Article
What You Need to Know about Sales Price vs. Appraised Value
What You Need to Know about Sales Price vs. Appraised Value
Read Article

Subscribe to our BlogSign up to stay up to date with the latest news, insights and more from American Pacific Mortgage!

RECENT POSTS

APM Elevate: March 2024
APM Elevate: March 2024
Read Article
APM Financial Fitness: March 2024
APM Financial Fitness: March 2024
Read Article
Who Qualifies as a First-Time Homebuyer?
Who Qualifies as a First-Time Homebuyer?
Read Article