American Pacific Mortgage

Calling all first responders, medical professionals, and teachers! We have loan programs designed with YOU in mind - want to buy or refi? We can help. #APM #productfeature

Did you know you DO NOT need to have the perfect credit score to buy a home? you can even buy a home with a 580 credit score! However, it's important to know which program is recommended for your credit score so you can understand what credit score you should work towards to maximize the best deal for that program.... This means that it’s key to protect your credit score both before you apply for a loan and while you’re in the process of getting it. Protecting your credit score includes things like: Working with a reputable company Pulling your credit report regularly from annualcreditreport.com (if you pull one from each bureau every four months, you can have regular eyes on your credit) Monitoring your credit with alerts Utilizing credit freezes, if needed These are just a ~few~ of the ways you can protect your credit to ensure that it’s in tip-top shape when it comes time to buy a home. To read more about important credit protection tips, visit our blog at.....https://www.apmortgage.com//5-ways-to-protect-your-credit-

Ready for Crisp Nights and Sweater Weather. Fall In San Diego is here!

Technology makes our daily lives though that addiction to social media and doom scrolling is another story! Our tech-savvy world is so connected that you don’t even have to make your way to a loan advisor’s office to apply for a mortgage. , . We've put together some great tips to help make the process smooth and safe as you embark on this adventure: https://www.apmortgage.com/.../how-to-safely-apply-for-a...

’ . With all the talk out there about scams and internet hacks, it’s a great question, and here’s our answer: https://www.apmortgage.com/.../how-to-safely-apply-for-a... It’s ~especially~ important to keep a close eye on your credit because you have to provide a lender with a lot of sensitive personal and financial data in order to get a mortgage. ... . Mortgage security is heavily regulated, and APM follows all protocols to keep your data safe and secure both during and after your mortgage application. . At APM, our servers and databases are not only password-protected, but on a secure network that requires multi-factor authorization, and only the people who need to work directly on your loan can access your information. We also adhere to the Gramm-Leach-Billey Act, which requires that we tell you what we do with your information and how we share it with others. If you have any questions about how to safeguard your information while applying for a loan, check with your lender. See more

ENCONOMIC UPDATE!! Elliot Eisenberg gives an update on the effect of weather and natural disasters (hurricanes, wildfires, etc) has on the economy. You might be surprised at the answer! He also talks about lagging vs leading indicators as far as housing goes. https://www.youtube.com/watch?v=4paE4j2PuQY

Property taxes are usually calculated as a percentage of a home’s taxable value. When home prices go up, local government has a larger tax base, leading to higher bills for homeowners. Here's what you can do to prepare.

"One of the worst days in America’s history saw some of the bravest acts in Americans’ history. We’ll always honor the heroes of 9/11...we pledge that we will never forget their sacrifice. President George W. Bush

Mortgage applications for second homes skyrocketed 84% year-over-year in January, according to a report from Redfin. Escape hot summers and enjoy playing in the snow in your mountain retreat. Second homes are within reach! If you are not sure if you qualify, contact us today to find out how we can help get your approved. _____________________________________________________ #mortgage #mortgageofficer #firstimehomebuyer #rennovation #realtorlife #realestate #realtor #realestate #DIY #selflovejourney #homebuyer #investment #wealthmindset #mortgagetips #openhomes #homeseller #buyingahouse #justlisted #realestatetips #homebuyingprocess #budgetlife #finacialgoals #investingtips #openhomes #forsale #justlisted #sandiegorealestate #homebuying #preapproval #dreamhome

Follow your passion, be prepared to work hard and sacrifice, and, above all, don’t let anyone limit your dreams. Donovan Bailey Happy Labor Day from all of us at American Pacific Mortgage San Diego to you!! Wishing you a safe and happy holiday! #budget #debtfree #savingmonmey #Beudgeting #finances #moneymindset #financialindependence #frugaliving #wealthmindset #moneytips #moneymatters #investingtips #finacialpeace #buildingwealth #budgettips #moneysavingtips #lendertips #mortgagetips #mortgageofficer #realestatesandiego #advice #toptips #mortgagebroker #loanofficer #preapproval #homeloans #mortgageloans #realestateexpert #realestatenews #househunters

Hitting some open houses this weekend? Here are some helpful tips to make sure you don't miss any major issues with your potential purchase. _____________________________________________________ #budget #debtfree #savingmonmey #Beudgeting #finances #moneymindset #financialindependence #frugaliving #wealthmindset #moneytips #moneymatters #finacialpeace #buildingwealth #budgettips #moneysavingtips #lendertips #mortgagetips #mortgageofficer #realestatesandiego #advice #toptips #mortgagebroker #loanofficer #preapproval #homeloans #mortgageloans #realestateexpert #realestatenews #househunters#openhouse

4 REASONS TO BUILD AN ACCESSORY DWELLING UNIT (ADU) 1. INCREASE YOUR HOMES VALUE. These have become so popular nowadays that its easier than ever to build and install. Cities have streamlined the process now with pre approved floor plans and models. These low coast investments can yield big results in value.... 2. EXTRA SPACE. Independent guest space, office area and living quarters. Business write off and even short term rental via nightly, weekly or monthly. Voila, you are all set. 3. AFFORDABLE LIVING. Similar to a micro apartment. Provide tenants everything they need in small space. In-laws, students and young professionals just starting out. 4. HOUSING SHORTAGE & SUSTAINABILITY. These ADU's can help offset new buildings in already over developed cities and help reduce carbon footprint. These units use about 40% less energy over their lifetime compared to a medium sized home. Check with your city or local municipality on any laws regarding ADUs and renters, particularly short-term renters. Once you’re ready to bring your vision to life, we are happy to help you devise a financial strategy that works for you. You can even leverage your home’s equity to create the accessory dwelling unit of your dreams! Contact us today to see what's possible. #budget #debtfree #savingmonmey #Beudgeting #finances #moneymindset #financialindependence #frugaliving #wealthmindset #moneytips #moneymatters #investingtips #finacialpeace #buildingwealth #budgettips #moneysavingtips #lendertips #mortgagetips #mortgageofficer #realestatesandiego #advice #toptips #mortgagebroker #loanofficer #preapproval #homeloans #mortgageloans #realestateexpert #realestatenews #househunters

W ? The problem with that question is . You can have the most ~favorable~ market conditions in the worldlow listing prices because it’s a buyer’s market, low interest rates, loose qualification standardsbut if you’re not in the right position to buy, it’s still not a good time to buy a home. Read our blog to see if 2021 is a good time to buy a home . #mortgage #mortgageofficer #firstimehomebuyer #rennovation #realtorlife #realestate #realtor #realestate #DIY #selflovejourney #homebuyer #investment #wealthmindset #mortgagetips #openhomes #homeseller #buyingahouse #justlisted #realestatetips #homebuyingprocess #budgetlife #finacialgoals #investingtips #openhomes #forsale #justlisted #sandiegorealestate #homebuying #preapproval #dreamhome

San Diego’s home price skyrocketed 27.1 percent in a year as of June and blew past other California markets. America’s Finest City had the second largest price gain in the nation!

"We have worked with karla for a few years now always a great experience she is on top of every minor issue in a timely manner very delightful person ." says Raymond

"Kara was a delight to work with. She was knowledgeable, professional, and extremely patient when explaining parts of the process we found confusing. She responded to calls, texts, and emails promptly and cheerfully, and her calm, comfortable demeanor made our interactions a pleasure. I would not hesitate to recommend Kara to anyone in need of her services." says Peggy on Zillow

"Kara was very efficient and professional. She would answer our questions on the same day we would email her. She is kind and explained the process every step of the way." says Liza

"We worked with Mark to purchase our new home last year, and his knowledge, expertise, customer service, and ability get the best options for you are unparalleled. Consistent communication and helping us understand the whole process so clearly was great. We have even recently worked again with Mark on a refinance for a different property, and another outstanding experience. I word HIGHLY recommend Mark to anyone.." says user2952166 on Zillow

"She's amazing ! I strongly recommend her to do business with friends and family." says Angelie Karryl

"Karla was amazing! Very knowledgable. Very strategic, I had 100% trust in her to lock the best rate. Made the process easy and smooth. Great communication. Could not have asked for anything more. She will be my "Go To" for all future services." says Christopher

"Fast, efficient and professional...A+ all the way! Mark & Angel Clifton" says Mark on Reach150

"Having worked in retail and customer service for over 5 years, Sonny blew my expectations. I truly received white glove service from start to beginning. Sonny was excellent in communicating with me during the entire home buying process. This is my first time meeting and talking to Sonny, although it feels like we were already acquaintances before home searching. In addition to feeling like a friend with Sonny, he always kept it.." says VINH

"Amazing service provided by Doug Siebenthal and his associates at American Pacific Mortgage!! Everyone on the team went above and beyond to push our refi through by the end of the year for us. We are so grateful to have found Doug. He really is the best- his follow-up is amazing, always going the extra mile to help us. Always appreciate someone who works as hard as Doug does." says Michelle on Google

$3.2M actually might be a bargain if you're a car collector.

#APM is honored to be acknowledged as a Best Military Lender for the second consecutive year by National Mortgage Professional Magazine! Along with the company'...s acknowledgment, several APM Loan Originators were recognized for their outstanding efforts! Congratulations to Matt Bassitt, Kelly Gardner, Larry Gonzales, Senior Loan Officer, Clay Murray - Mortgage Loan Originator, Tyson Rondeau, NMLS #185843, Carter Short and Andrew Vierra! These individuals have gone above and beyond in their communities to assist Service Members and Veterans in achieving their dreams of homeownership. We appreciate your continued commitment to Creating Experiences that Matter for the people that deserve it the most, those who protect and serve our country.

Please share this with a vet! Get the word out!

"Kelly was very helpful and down to earth. Made this process super easy. We saved more with a lesser rate. Kept up apprised with any updates and whatever else was needed." says Romana on Zillow

Floating homes?!?

The report found that, for 41 of 53 US markets, the first week of fall (Sept. 22-28) is the best time to buy a home. During this period, buyers face 26% less competition with an additional 6.1% home supply on the market, compared to the average week of the year.

Nice doors hold value!

#1 might surprise you!

Buying a home should be easy and painless, so that's what we strive for every single day here at APM. Thanks to Bob for always going above and beyond expectations for his clients! #theAPMdifference #homebuyer #clientreview #thankyouthursday

Will this be good or bad for San Diego?

The future is here!

With down payment assistance and other low down payment options available it may be the perfect time to buy if you're a first-time home buyer!