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GET ON THE PATH TO HOMEOWNERSHIP

GET ON THE PATH TO HOMEOWNERSHIP

Being a first-time homebuyer, a move-up buyer, or even an investor looking to bring their real estate portfolio together can be a very intimidating process. You may have read the latest trending real estate article on social media or heard through a friend about certain programs they have used, but...

GET ASSISTANCE WITH YOUR DOWN PAYMENT

GET ASSISTANCE WITH YOUR DOWN PAYMENT

The thought of becoming a homeowner and having to put down a large down payment can be overwhelming, but our Sacramento mortgage company can help you during the homebuying process.  Depending on what type of mortgage loan you choose, you may need as little as 3.5% down.  There are many down paymen...

4 EXPENSES TO PLAN FOR WHEN BUYING A HOME

4 EXPENSES TO PLAN FOR WHEN BUYING A HOME

The homebuying journey should be an exciting process. Your new home will be your sanctuary, a place to possibly raise a family, and a place to make memories for the years to come. It is important to plan your finances appropriately when you're thinking of buying a home and as your leading Sacrament...

HAVE FHA LOANS CHANGED UNDER PRESIDENT TRUMP?

HAVE FHA LOANS CHANGED UNDER PRESIDENT TRUMP?

As your Sacramento mortgage lender, we understand the mortgage industry is always changing and want to provide you with the latest information.  With our new president in office and new laws being signed, we wanted to address some of the recent changes with Federal Housing Administration (FHA) loa...

5 TAX BREAKS FOR HOMEOWNERS

5 TAX BREAKS FOR HOMEOWNERS

Tax season is upon us! As your Sacramento mortgage lender, we’d like to remind our clients of these homeowner deductions to take full advantage and get the best possible refund. And as always if you have any questions, please give our Sacramento home loans team a call at (800)455.0986. Let’s ge...

HOW TO GET AND UNDERSTAND MY CREDIT SCORE

HOW TO GET AND UNDERSTAND MY CREDIT SCORE

Knowing and understanding your credit score are both very important when applying for a home loan and securing a competitive interest rate.  As a leader in Sacramento home loans, our team at American Pacific Mortgage takes great pride in educating our clients about their credit situation and offeri...

COMMON FIRST BUYERS MISTAKES TO AVOID

COMMON FIRST BUYERS MISTAKES TO AVOID

Buying your first home can be both an exciting and stressful time. There are so many different elements and obstacles to tackle before receiving the keys to your new home. When you buy your first house don’t think of it as just a home, it is also a long-term financial ...

8 TIPS FOR THE MORTGAGE PROCESS

8 TIPS FOR THE MORTGAGE PROCESS

The path to homeownership can appear daunting at first glance, but our team at American Pacific Mortgage is here to help you take the right steps moving forward. As a leader in Sacramento home loans, we are dedicated to providing our clients with as much information about the mortgage process to avo...

CHOOSING THE RIGHT MORTGAGE LENDER

CHOOSING THE RIGHT MORTGAGE LENDER

One of the most important and complicated decision to make when it comes to buying a home is choosing what mortgage lender to go with. If you search “Sacramento mortgage company” online you’ll find hundreds of different mortgage companies and lenders in the Sacramento area all eager to accept ...

A BEGINNERS GUIDE TO REFINANCE LOANS

A BEGINNERS GUIDE TO REFINANCE LOANS

For most people, their home is their greatest and most valuable asset. For that reason it is important to keep an eye on what you’re paying on your home loan and keep costs to a minimum. Whether you are in financial difficulty and meeting monthly repayments is a struggle or you simply are looking ...

5 WAYS TO IMPROVE YOUR CREDIT SCORE

5 WAYS TO IMPROVE YOUR CREDIT SCORE

A credit score is a numerical reflection of your credit history. It is a representation of your ability to make payments on your credit debts over a period of time. Having a high credit score shows you have a good history of repaying your debts. Money lenders use credit scores to assess the risk of ...

The Misunderstandings of VA Loans

The Misunderstandings of VA Loans

As a group, veterans may not be aware of the availability of VA loans, but there are also some common myths that should be understood. The more individuals that become informed about this program, the more good it will do for those individuals who have more than earned its benefits. One misunders...

THE HIDDEN REWARDS OF A JUMBO LOAN

THE HIDDEN REWARDS OF A JUMBO LOAN

Individuals who aren’t familiar with real estate often only know cursory information about their options, like jumbo loans. If this is the case, they may only be aware that these types of loans can be expensive. Without further consultation, this could cause them to avoid using one or even learnin...

SHOULD YOU REFINANCE YOUR CURRENT HOME OR RENTAL

SHOULD YOU REFINANCE YOUR CURRENT HOME OR RENTAL

Homeowners might seek out refinancing options for a variety of options, whether that is to lower their interest rate, their mortgage term length, the type of mortgage or even to borrow against their home equity. If you find yourself asking this question, there are some specific bits of informatio...

CAN YOU BUY A HOME AFTER BANKRUPTCY?

CAN YOU BUY A HOME AFTER BANKRUPTCY?

The question so many people face after going through bankruptcy is whether they will ever be able to buy another home. The answer, thankfully, is yes. In fact, it is usually in a much shorter time than you may believe-even shorter than that of a foreclosure. One of the aspects of bankruptcy is th...

UNDERSTANDING WHY FHA LOANS ARE SO POPULAR

UNDERSTANDING WHY FHA LOANS ARE SO POPULAR

Clearly, this is a common loan that is well known in real estate circles and there are good reasons why. They are set up by FHA-approved lenders, since the loans are insured, as long as they follow the standards that have been lined out by the FHA organization. Information about these loan choices i...

THE EXCITEMENT OF A FIRST TIME HOMEBUYER

THE EXCITEMENT OF A FIRST TIME HOMEBUYER

Few things are more exciting than getting the keys to your very own home for the first time. It’s a rite of passage for many adults, as they embark on a new chapter in their lives. Of course, it’s not quite as simple as just choosing a house, making an offer and getting the keys the next day. Th...

THE DECISION TO REFINANCE A RENTAL OR EXISTING HOME

THE DECISION TO REFINANCE A RENTAL OR EXISTING HOME

In order to purchase a secondary home, homeowners might be under the impression that they need to obtain another home loan, separate from the one they are currently paying on. However, this is not the case, especially if they decide to simply refinance their current house. By borrowing against their...

VA LOANS AND YOUR NEW HOME

VA LOANS AND YOUR NEW HOME

VA loans are in place to help those individuals who have fought for our country to get further benefits, considering what sacrifices they have made. If you fit into this category, then you will have assistance in purchasing a new home for you and your family. Most of these loans are offered with ...