<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=981546022040035&amp;ev=PageView&amp;noscript=1">

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.

Mortgage Loan Programs for Nontraditional Borrowers

Let’s be real for a second. Mortgages are not cookie-cutter because borrowers are not all the same. There are, of course, some programs that can serve larger populations—hello, conventional mortgage and FHA loans—but there are plenty of people who aren’t accommodated by these programs for one reason or another.

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

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

What You Need to Know About Mortgage Rate Buydowns

Naturally, having a good credit score and making a down payment of 20% or more can help you secure the best interest rate, but there’s something else you can do to lower that rate even further. It’s called a mortgage rate buydown.

Read Article

Mortgage Interest Rates: Float vs. Lock Strategies

It’s an age-old question, at least when it comes to mortgage interest rates: Is it better to float your rate or lock in your mortgage? There are pros and cons to each, which can vary based on the overall economy, as well as unpredictable factors that can cause rates to go up or down. 

Read Article

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?

Read Article

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.

Read Article

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. 

Read Article

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.

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

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.

Read Article

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. 

Read Article

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.

Read Article

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! 

Read Article

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. 

Read Article

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. 

Read Article
LOAD MORE

TOP POSTS

3 Ways to Get Creative when Paying Closing Costs
3 Ways to Get Creative when Paying Closing Costs
Read Article
How Much One Extra Mortgage Payment Can Save You
How Much One Extra Mortgage Payment Can Save You
Read Article
Don’t Miss These Top 5 Tax Breaks for Homeowners
Don’t Miss These Top 5 Tax Breaks for Homeowners
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

Mortgage Loan Programs for Nontraditional Borrowers
Mortgage Loan Programs for Nontraditional Borrowers
Read Article
Celebrating Asian American and Pacific Islander Heritage Month
Celebrating Asian American and Pacific Islander Heritage Month
Read Article
Top 8 Benefits of Using a Realtor to Sell Your House
Top 8 Benefits of Using a Realtor to Sell Your House
Read Article