APM BLOG

Veterans Day is November 11, and while it’s a day off for many Americans, sometimes it’s a struggle to remember not only WHAT Veterans Day is, and how best to celebrate it.

Many young, single, career-focused, and financially savvy adults are realizing that buying a home is the right decision for their personal and financial goals. In fact, more than 90% of Americans believe homeownership is the first step on the road to wealth. And the U.S. government agrees. The Department of Housing and Urban Development promotes homeownership to people from all economic backgrounds, because homeownership is an important means of wealth accumulation.

Halloween is a holiday that is loved by so many, and of all ages. Trick or treating is, of course, the highlight for many kids… what kid doesn’t love throwing on a costume, walking with their friends around the neighborhood while collecting loads of all your favorite candy? I loved taking my candy home, dumping it out to organize and categorize, in alphabetical order (doesn’t every kid do that?), and then trading with siblings and friends. Here are a few safety tips for kids, pets and adults to ensure the night is everything they have imagined and more!

One of the most important factors which determines your home loan qualifications and rate is your credit score. If you are at the beginning of the home buying process, it’s important to understand how your credit score can impact your ability to get a mortgage loan, as well as the interest rates you may be offered. Understanding your credit is one of the first steps you will take to becoming a home buyer, so let’s get started.

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?

Whether you are considering to rent or buy a home, you may want the convenience of technology to help you through the process.

We’ve got a list of the some of the top apps that can enhance your real estate search.

It’s not uncommon to think that selling a home is easy to do – especially with all the information readily available on the Internet about what to do and how to do just about anything these days.  But having a real estate agent goes much deeper than saving a commission, and often can cost a seller thousands of dollars.  Before you unknowingly jump into the process of selling your home, learn more about the disadvantages of for sale by owner so you're well informed about the process and can make the best decision.

Summer is coming to an end, school is back in session and the sidewalks are starting to disappear under a blanket of vibrant leaves. Morning takes a bit longer to appear and evening seems to show itself much sooner each day. Fall is in the air!

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!

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.

The summer days are still long and warm, but there are the tell-tale signs of the waning days… school has either just started or is getting ready to start for kids all across the country. The first day of school is a one some parents look forward to with relish, while others dread. It can be tough to transition back to a more regimented schedule for both parents and kids. Getting back in the groove of packing lunches, restarting carpools for after-school activities, meeting new teachers and sitting down each night to help with homework can be stressful. Here’s a list of 10 things you can do to be sure you and your child feel mentally prepared for the new school year ahead:

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.

As Veterans and Servicemembers, you have worked hard for our country and when you’re ready to embark upon or continue your homeownership journey, American Pacific Mortgage is happy to be able to give back to you through our VA Loans. You don’t want to miss taking advantage of all the benefits these loans have for you! In addition to flexible and lenient qualifying guidelines, other benefits include 100% financing when qualified and no mortgage insurance requirements.

Summer is here, the sun is out… and the beach is calling your name! A day in the sun splashing in the water is just what you need to recharge and reconnect with friends and family! Here are ten must haves and a few hacks to add to your packing list that are sure to make the day stress free and all about sand castles, splashing in the water and relaxing in the sun!

We are proud to share that American Pacific Mortgage has moved up to #12 in the Scotsman Guide Top Mortgage Lender rankings, up two spaces from last year!

While we’re now licensed in 32 states, we achieved this honor while being licensed in just 26 states, whereas nearly every other top 15 Lender was licensed in all 50 states. With pending licenses in 5 more states we’re growing strong.

What we believe is simple: by Creating Experiences That Matter™ for our employees, they pay it forward with our sales teams, who perpetuate the experience with their clients in delivering homeownership in their local communities.

We take ownership of the entire loan process – from education, to our product offerings, to qualifying the homebuyer, to working hand-in-hand with everyone involved ensuring professional and on-time closings. We are 100% client focused, and really do care about getting the right solutions for our clients, and that makes all the difference.

It looks like our customers agree, with over 33,000 published consumer reviews and an average rating of 4.96 stars –we couldn’t be more thrilled!

In 2018, we served over 25,155 customers and funded over $8.2 billion in home loans, growing our market share while others contracted.

Among other awards, APM has also been voted a top mortgage employer for 5 years running by NMP Magazine and one of the 50 best places to work by Mortgage Executive Magazine.

APM was launched in 1996, with a group of 30 people and now employs over 2,000 employees in nearly 200 branches. The one thing that has never changed is our unwavering commitment to support our branch managers and loan officers. We give our originators the culture and resources to provide a unique and superior customer experience for our borrowers.

Our growth is proof positive that each and every one of us is busy every day Creating Experiences That Matter™ in delivering homeownership. Look out top 10 – we’re coming for you!

Veterans and service members have had the VA home loan benefit since 1944, and with millions eligible, there are still questions about what the benefits are of utilizing the VA Loan compared to other loans.

Imagine you’re shopping for a home, you find the home of your dreams…and for whatever reason, you can’t traditionally qualify for the loan to purchase it. Sadly, for many prospective home buyers, this was the end of the road to purchase that home – but that’s no longer the case.

Reverse Mortgages Explained

You may be hearing a lot about Reverse Mortgages in commercials on radio and television lately. Sometimes it’s hard to decipher what, exactly a reverse mortgage is – or whether it’s something for you to consider for yourself. There’s a lot of information out there, so we wanted to break it down in easy-to-understand bites to make your decision-making as easy as possible.