Pre-Approval Can Add Certainty

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. Now, we know what you’re thinking: I have a steady job, savings for a down payment and relatively predictable monthly expenses. Do I still need a mortgage pre-approval? The answer is yes. Everyone can benefit from pre-approval.

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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! 

Once that novelty wears off, however, you want to feel confident you’re just as happy with your new neighborhood as you were when you first drove by it.

So consider these four factors before you lay down your next set of roots in a new neighborhood.

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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.
Please find our answers to some of the most important questions you may have at this time regarding your home loan.
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7 Things to Consider When Buying & Selling 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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relocating

5 Things to Consider if You’re Thinking of 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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What Paying Off Your Mortgage Could Mean For You

Is it smart to pay off your mortgage early? It certainly can be, in certain situations. In other scenarios, it may make more sense to put that money to work elsewhere, or to keep it in the bank. 

The advantages of paying off your mortgage early can be vast. You’ll save money in interest, build equity quicker and pay off your home sooner. These factors equate to extra cash in your pocket, the option to utilize a home improvement loan and debt-free living – at least in terms of your home!

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BUYING A HOME DURING COVID-19

Life may not be completely back to normal, but many cities are reopening businesses and services as we emerge from quarantine orders caused by COVID-19. Returning to work and to the office will also give Americans a better sense of what their finances may look like in the near term.

With the country returning to some semblance of normalcy, it naturally follows that the home buying and selling landscapes will also return to a familiar state of activity. This has some people wondering what home buying and borrowing may look like in a post-quarantine world. That’s where we come in…

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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.

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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.

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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. 

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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.

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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.

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