2020 Home Improvements
with the Highest ROI

Before you ask what home improvements add value to your home, it’s smart to sit down and think about the answers to some important questions. These questions will help you personalize your home to truly meet your needs.


The Benefits of Using a Local Lender

Real estate is a localized market. You wouldn’t ask a Midtown Manhattan real estate agent whether you should buy a four-bedroom, three-bath home with a detached garage in Cleveland, right? Just as you wouldn’t ask a Los Angeles mechanic to winterize your Pennsylvania car, or your Dallas-based colleague what she thinks about the public school system in Seattle.


Financial Empowerment Toolkit

The toolkit has information and worksheets which helps you achieve goals and work through challenges. Created and presented by Consumer Financial Protectin Bureau (CFPB), this is provided for you as a free resource. 

mortgage documents

What Documents Do You Need?

Getting your ducks in a row when applying for a mortgage can seem daunting, but it doesn’t have to be! Lenders, underwriters and APM are here to help you determine what type of loan, including size, duration and other terms, are right for you.


Boost Your Credit Score 
With 5 Simple Tips

Have you been thinking about purchasing a home sometime this year? As you prepare for that exciting journey, you’ll want to check your credit score. Your credit score, often referred to as your FICO® score, is calculated using your credit history on file with the credit reporting agencies. No matter what your score is, you can work on boosting it by following a few simple tips.

credit score
home mortgage

The Difference between Gifts, Grants
& Down Payment Assistance

Down payments are one of the most daunting parts of the homebuying process. We all know, it’s a lot of money! Thankfully, you don’t necessarily have to drain your savings to come up with the sum. There are a few other ways to secure a down payment, including gift funds, grants and down payment assistance.

We’ve laid out all three so you can determine if any of these options are right for your financial situation. As always, the rules governing these forms of down payment assistance can vary by state and are subject to change any time.


Conforming Loan Limits Increase

The Federal Housing Finance Agency (FHFA) is updating the annual conforming loan limits for 2020. These apply to all mortgages delivered to Fannie Mae & Freddie Mac (conventional loans). This includes general loan limits and the high – cost are loan limits, with high-cost areas varying by county. Click more to learn about each Californian County.

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A Renovation Loan Can Help Build 
Your Dream Home

Home is what you create in the place that you live. It isn’t always a brand new updated house. Sometimes it means you put in a little sweat equity to turn a house into your dream home.
Whether it’s a huge remodel project or a light fixer-upper, there are renovation home loans that can help you with that!
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renovation loan
Home Improvement

Maximize Your Investment

One of the best things about owning a home is that you can make it yours, which is hard to do in a rental.
Don’t like that carpet? Rip it out! Hate the tan walls? Paint them whatever color you want. Don’t like the wall between the living room and kitchen? Tear it down (as long as it’s not load-bearing!).
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Buying a Home with Student Loan Debt

Student loans can pose problems for many first-time home buyers trying to qualify for a home loan. This isn’t a news flash for most of us with student loan debt, but it also doesn’t have to mean the end of the road for the dream of homeownership.

There are several things that you can do to help ease the obstacles that having extra obligations can cause. We have an easy-to-use checklist to get you started, but here are some specific ways to get a game plan to help you buy a house, even with the extra debt.

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student loan mortgage
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