Brendan Farrell, American Pacific Mortgage

Thank you for the recommendation, Chris! Earning our clients' trust and being a resource for them while they make one of their most important decisions is our top priority. In this market, it's especially important to have a team that will be there for you. #feedback #weloverourclients #fivestarreview #testimonial #recommendation

Happy St. Patrick's Day! If you're thinking of buying a home in this fast-moving market, don't rely on the LUCK of the Irish . Make your own destiny by being prepared for the right OPPORTUNITY. Message me today to learn more about how you can get the most out of your pot of gold when purchasing a home.... #stpatricksday #irish #stpattysday #green #luckoftheirish

Is your home tapped on space? Is EVERY square foot being used and there STILL isn’t enough room to accommodate life as we know it today? Maybe you had to give up your guest room to create a space for homeschooling or an office or you’re considering an office outside of the home. You’ve been looking for a new home online , but with inventory low , you’re not sure that is the best option. If the answer to any of these scenarios is YES, you may want to consider an accessory... dwelling unit (ADU), also commonly known as a GUEST HOUSE or granny suite, to give yourself a little more space. If allowed within your city limits, an ADU is a GREAT option for expanding and creating more space on a reasonable budget. An ADU: Increases your property’s value in many instances. Could be used for rental income or for private guest accommodations in the future. Offers affordable but independent, private living. Helps solve the housing shortage crisis and reduces the carbon footprint of a new home. Be sure to do your RESEARCH before you get started . ADU laws vary widely, and there may be TAX implications, so make sure to check with your city planning office BEFORE you start making plans. If you need help leveraging your home equity to bring your vision to life, message me today! #ADU #accessibledwellingunit #guesthouse #morespace #squarefootage #visalia

We're officially one year into the pandemic, and despite all the changes and adjustments to our daily lives, the California real estate market is going STRONG! The California Association of Realtors not only revised the number of closed SALES during the last week of February upward , but the sales numbers for the first week of March also showed a nearly 4% UPTICK from the same week in 2020. There was also good news on the INVENTORY front. Statewide, from February 28-...March 6, there was an average of 825 new LISTINGS per day, 4.3% from the previous week. (Source: https://buff.ly/3payQqC) With all this activity, it's important to stay ORGANIZED during the homebuying process. Download my FREE mortgage app today at https://buff.ly/2JBNbJw to keep your search at your fingertips. #californiarealestate #marketupdate #californiahousingmarket #visalia #visaliaca

My daughter would probably tell you that I'm the cheesiest , but it's not even close compared to the Vintage Cheese Company in Traver. Specializing in hand-crafted cheese, Vintage is one of many great small businesses here in Tulare County. They use California cow , sheep , and goat milk to create a wide variety of flavors. You can learn more about their products and process at www.vintagecheese.com and even spend a little CHEDDAR in their online shop (Ok, maybe my dau...ghter has a point). #cheese #cheeseloversday #localbusiness #tularecounty #buylocal

Setting a budget for the year is an important part of achieving your financial goals. Whether that's buying a house, investing, or paying off debt, if you don't know what you're spending, it can be challenging to get ahead. Here are some helpful steps for budgeting: Write down your earnings, including wages, commissions, bonuses, and self-employment income. Include any child support, alimony, and income from any alternative source. Make a list of all of your monthly, qu...arterly, and yearly financial obligations including credit card debt, student loans, auto loans, rent or mortgage payments, utilities, taxes, and any other debts. Make note of how much you have in savings, including retirement accounts, IRAs, and 401(k)s. Identify your spending habits, including what you spend on essentials such as groceries and non-essentials like Netflix, Hulu, Door Dash, entertainment, or other lifestyle expenses . This activity will help you identify areas in your spending that you may be able to give up, reduce, or get rid of altogether to help achieve your budgeting goals. If you have questions about how much you should be budgeting to purchase a home, give me a call at 559-725-1230 or send me a DM. #budget #housingbudget #homebudget #visalia #visaliaca

Volunteering is a great way for us all to come together to help build a better and stronger community. In the spirit of this day of service, check out https://buff.ly/2UMlROk for a list of non-profit organizations in Visalia that are always in need of help, especially this year. In the words of Dr. King, Everybody can be great because everybody can serve. #mlkday #dayon #service #dayofservice #volunteer

APP-y Friday! Head to https://buff.ly/2JBNbJw and download my mortgage app today! With the app, you will be able to:... Calculate payments easily Securely scan & upload docs from your phone Message me instantly Get updates on your loan as you go #mortgage #mortgageloan #mortgageapp #mortgageprocess #stayorganized

Did you know that your credit score is a big factor in getting a home loan? Here are a few things that affect your credit score: The history of your credit accounts... Delinquent accounts, including bills in collections or payments that are consistently late How much money you owe other lenders How much credit you have available and how much you are using If you want to buy a home, YOUR VERY FIRST STEP is to talk to a mortgage EXPERT. Find out what you need to do to prepare to get a home loan. Brendan can help you begin the application process and get pre-approved, as well as help you understand some steps you can take toward buying a home. #credittips #Visalia #buyahome #homeowner #dreamhome #Tulare

Locally owned @palominosmusicnflshop has been a part of #DowntownVisalia since 1998, and it is truly a one-of-a-kind shop. Palomino’s specializes in carrying old school and Tejano music and offers a wide variety of #NFL gear. If they don’t have it in the store, they will special order it for you. There is no better place to pick up an old record, discover a CD from a local musician, or grab your favorite #NFL team jersey, cap, or flag. They carry limited #MLB items as well. Swing by and check them out. They are right off Main Street. #visaliasmallbusiness #visalia #loyaltolocal

When buying a second home, it's IMPORTANT to understand what the lender considers so you can meet the lending requirements. Will you rent your second home when it's not in use? If you plan on renting out your vacation home when you aren’t staying in it, a lender may view it as an investment property rather than a second home. Lending requirements may be different for investments than they are for vacation homes. <>... How far away is it from your primary home? Vacation and second homes have unique lending stipulations, like how far away your second home can be from your primary residence. With so many different loan options and requirements for a second home, we can help you decide what program is well suited for the specific property you are looking at. Who else will live in the home? Your second home may be occupied by family or friends, but to be a true second home, you cannot collect any rent. We can help you distinguish between a second home and investment home lending requirements in order to find the loan that M A T C H E S your goals. Send Brendan a direct message here or call him at 559-725-1230 to get started now! #secondhome #vacationhome #investmenthome #Visalia

It’s been an I N C R E D I B L E year for homeowners and new homebuyers in Visalia. Home values have appreciated and new homebuyers are purchasing homes with record-low rates. This snapshot of Visalia’s market in September 2019 and September 2020 gives some insight into market trends. In September 2019, the median list price for a home was $269,000, and the median sale price was $245,000. ... In September 2020, the median list price for a home was $298,500, and the median sale price was $305,000. The median list price for Visalia properties has steadily increased at an average of 10.6% over the years. Learn more here: https://buff.ly/31arQ2O #MarketMonday #MarketUpdate #MarketNews #Visalia #VisaliaCa

Good news! The Tulare County government has extended the days you can vote this year. Tulare residents may now cast their vote at the polls on the following days: Saturday, October 31 - Monday, November 2 from 8 a.m. - 5 p.m. Tuesday, November 3 from 8 a.m. - 8 p.m. ... Whether you plan to vote in person, by mail, or by dropping your ballot in a local ballot box, please VOTE! Voters are encouraged to bring their vote-by-mail ballot to their voting site if they decide to vote in-person. https://buff.ly/3iXasEO #Visalia #TulareCounty #getoutthevote #vote #vote2020 #votevotevote

Have you heard of Down Payment Assistance programs that can help you buy a home of your own? There are various programs available in California that could help you make the jump from renting a home to O W N I N G a home. Each program has different requirements that Brendan can help you navigate. Some programs may require you to take a homebuyer education class specifically for first-time homebuyers, and there are some other requirements, too.... Call 559-725-1230 or send a direct message to get started with the home loan process! #downpaymentassistance #Visalia #mortgagelender #mortgageexpert #firsttimehomebuyer

We L O V E working with first-time homebuyers! Thank you for working with us, and congratulations on your first home! #firsttimehomebuyer #testimonial #Visalia #homeowners #preapproved

The absolutely best place for fresh produce and other local goods is our own @VisaliaFarmersMarket! With over 80 merchants, there is something special and #local for everyone. Enjoy F R E S H coffee, free-range eggs, local meats, and, of course, locally grown produce. Farmers are certified, and many offer O R G A N I C options. Pick up a bouquet of flowers , handmade jewelry or soap, or other artisanal items. You may also catch a traveling troubadour serenading guests or... take part in a community activity put on by a local nonprofit. The Caldwell & Mooney Market is open rain or shine every Saturday from 8:00 a.m. to 11:30 a.m. They accept credit, debit, cash, EBT, and P-EBT. Tag your favorite local vendor below! #shoplocal #farmersmarket #VisaliaFarmersMarket

Are you wondering what the DIFFERENCES are between financing a primary residence and financing a second home? The good news is that the process is much the same, and the qualifying factors are only slightly different. You'll start with the pre-approval process, where Brendan will review your income, assets, credit, debts, and current mortgage obligations to help qualify you for a second home payment.... This process helps establish how much you qualify for. The next step is to complete the loan application process, provide all the necessary loan documentation, and obtain lender approval. Call Brendan at 559-725-1230 to learn more about second home financing and get the process started! #preapproval #preapproved #Visalia #loanofficer #gettingaloan

The buyers are coming in because of the low-interest ratesthat’s the number 1 reason, said Lawrence Yun, NAR’s chief economist. set in September! Eleven consecutive weeks of low rates have encouraged new home buyers and new home purchases leading to a 14-year H I G H of 6 million home purchases, according to the National Association of Realtors (NAR). These numbers are up 11% from 2019. ... The buyers are coming in because of the low interest ratesthat’s the number 1 reason, said Lawrence Yun, NAR’s chief economist. You can read more here: https://www.housingwire.com//average-u-s-mortgage-rate-dr/ #MarketMondays #MarketUpdate #mortgagerates #mortgageratenews

Do you know your options for down payment assistance? There are programs designed to help those who meet certain requirements. That's right! You could get into a home that you O W N way sooner than you thought possible. Good news, right? ... FIRST, give Brendan a call at 559-725-1230 or send him a direct message. He'll walk you through these assistance programs and their various specifications. Together, you and Brendan can determine if one of the programs can help you BUY A HOUSE! #downpaymentassistance #downpayment #mortgagememes #mortgageexpert