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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.

Is Building a Home Right for You?

Searching for a home can be an exciting process, but this journey can quickly get frustrating if you can’t find what you’re looking for. As we all know, buying a home involves more than just the actual real estate. You have to consider the neighborhood, surrounding amenities, outdoor space, and of course the actual home and its features. 

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APM Elevate: January 2024

As we move through January, we've been reflecting on the enduring values championed by Martin Luther King Jr.

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Protect Your Credit Score During the Home-Buying Process

Protecting your credit score is important all the time, but even more so when you’re thinking about buying a home and need a mortgage loan. That’s because there aren’t many other times in our lives when we need a loan amount of this size.

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What Is a Good Credit Score to Get a Mortgage Loan?

Before you go too far down the house-hunting rabbit hole, you’ll want to ensure that you meet the credit score requirements to secure a mortgage loan. After all, this mortgage loan will allow you to purchase your dream home. And while many factors go into qualifying, a good credit score is definitely one of them. 

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Buy a Home Now, Refinance Later at Reduced Fees

The real estate waiting game is no fun. But with today’s high interest rate, some would-be buyers think it’s prudent to play if they want to secure the best homeownership deal. The problem with that is you miss out on homeownership opportunities today, including less competition and falling prices in many markets.

 

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APM Elevate: December 2023

As we dive into the celebrations this month, we hope your time with loved ones is filled with laughter, and that all your dreams of peace and harmony light up your days. Cheers to a season of joy and happy moments!

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Unlocking Income: 5% Down Payment for Multi-Family Homes

Do you think owning multi-family dwellings—duplexes, triplexes, or fourplexes—is only for the 1%? Think again, because now all you need is 5%! 

As of November 18, 2023, Fannie Mae has lowered its required down payment on owner-occupied multi-family properties from between 15% and 25% to just 5%. That’s right: Five. Percent. Down.

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12 Pet-Friendly Tips for a Safe, Festive Holiday Season

Our four-legged loved ones are always there to share in the merriment, and the holiday season is no exception. Unfortunately, their enthusiasm can sometimes lead to mischief and mayhem.

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15 Ways to Make This Holiday Season Memorable Without Breaking Your Budget

The festive season is upon us! Unfortunately, it’s also the time of year when many of us find ourselves buried in credit card debt. While we all want to capture the perfect Instagram-worthy moments with family and friends, overspending can quickly dampen our holiday spirit.

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APM Elevate: November 2023

As we gather in gratitude for the year's journey, we reflect on the steadfast spirit that binds us together. In this month's newsletter, we aim to provide you with insightful updates on the ever-evolving landscape of the mortgage industry, ensuring you stay informed and empowered in your homeownership journey.

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8 Ways to Give Back as a Family This Holiday Season

The holiday season is quickly approaching, which means it’s time for big meals, family get-togethers, and festive decorations. During all the happy chaos, however, we also need to remember that it’s a season for giving.

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Buy a Home with 1% Down Through APM’s 1% Home

It’s a tough market out there right now for people who are looking to buy a house. Whether you’re a first-time homebuyer or looking to move, the current mortgage rates and high home prices can be limiting. Many homebuyers are second-guessing whether now is the right time for them to buy.

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6 Most Commonly Asked Questions About VA Loans

If you or a loved one have served your country and are now looking to buy a home, you may wonder if you qualify for a VA loan.

VA mortgage loans offer tons of benefits, like no down payment requirements, no private mortgage insurance (PMI) monthly payment, and flexible underwriting guidelines.

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What You Need to Know About Qualifying for VA Jumbo Loans

Getting a jumbo VA loan, which is a type of VA-backed home loan, offers several great advantages for eligible veterans and their surviving spouses. While there isn’t technically a jumbo VA loan (all VA loans are treated similarly, regardless of loan amount), it’s common to think of the larger loans to be “jumbo” for the sake of discussion. 

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Pros and Cons of Waiting to Buy a Home

Buying a home is full of questions. Should we? Shouldn’t we? Can I afford to? Can I afford not to? All these questions are deeply personal, which means their answers will depend on your financial situation and long-term goals. 

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APM Elevate: September 2023

REACH YOUR GOALS

Snoop a Little. Find Your Next Home.

If you're planning to buy a home in a certain neighborhood—perhaps your own?—you can limit your search to online listings. Or you can rethink your strategy and become an amateur detective, locating homes that aren't yet for sale, but may go on the market in a month or two. Here are clues that tell you that a property may be for sale soon. If you're lucky, you may be first in line to discuss a purchase.

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The Cost of Waiting to Buy a Home

When it comes to investments, many people say it’s all about timing. While that’s good advice in theory, there’s simply no way to time the market if you’re purchasing a sizable investment like buying a house. In a perfect world, interest rates and prices would both be low—and this does happen, but not very frequently.

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APM Elevate: August 2023


REACH YOUR GOALS

Tell Your Home It's Payback Time With a HELOC

Even if you bought your home recently, property prices may have boosted your amount of home equity. This is because equity is comprised of two numbers: the amount of your mortgage you've repaid, plus any rise in appraised value. If you have over 20% equity in your home, you may be able to tap into your investment with a home equity line of credit (HELOC).

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TOP POSTS

What You Need to Know about Sales Price vs. Appraised Value
What You Need to Know about Sales Price vs. Appraised Value
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Interest Rate Buydowns: Permanent vs. Temporary Buydowns
Interest Rate Buydowns: Permanent vs. Temporary Buydowns
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Don’t Miss These Top 5 Tax Breaks for Homeowners
Don’t Miss These Top 5 Tax Breaks for Homeowners
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RECENT POSTS

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APM Elevate: March 2025
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