David's Blog

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Mortgage and Lending - American Pacific Mortgage - Corporate NMLS 1850
My blog will try to provide you insights into mortgage lending, my prospectives into the real estate market and general information. I provide this based upon my 39+ years in the real estate, building and now for the past 23 years the mortgage industry.

ARCHIVED BLOG POSTS

2007 

There are several different types of appraisals. When you purchase or refinance, based on the loan type, loan to value, if it's a cash out refinance or a rate and term refinance; if you are applying for a 1st mortgage or Home Equity Loan are help in determining the type of appraisal that will be ...
06/18/2007
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There are several different types of appraisals. When you purchase or refinance, based on the loan type, loan to value, if it's a cash out refinance or a rate and term refinance; if you are applying for a 1st mortgage or Home Equity Loan are help in determining the type of appraisal that will be ...
06/18/2007
Maple Grove has plans in the works for Tuesday, August 3, 2010 and we would like you to join us. You are personally invited to have a National Night Out Block Party where you can celebrate a safe summer. Please complete the packet which contains information about: National Night Out Kick-off Par...
06/17/2007
In this short video I explain some of the differences between working with the seller's agent or your own agent. My experiance comes from my 13 years as a real estate agent, real estate broker, 6 years as a builder and 13+ years as a mortgage banker, branch manager. David Kosmecki - Guaranteed R...
06/13/2007
When financing, should you finance with a mortgage broker or a mortgage banker? In this short video I explain the differences between the two types of lenders. Both have many strenghts and each of some weeknesses. Only you can decide which you should work with. My video is designed to provide yo...
06/12/2007
In my short video, I explain why FSBOs may not be the "best deal". I think they need to be considered, especially if they are underpriced but more times than not, they are overpriced. Typically the buyers lack negoitiating power when it comes to For Sale By Owners. This video is cumulation of my...
06/12/2007
Volunteers Help Preserve our Past, Present and Future: Study Wetland Flora and Fauna. Have you ever really experienced the living wonder of a wetland? Come explore and monitor our local wetlands. Last summer over 50 adult volunteers in Hennepin County did by participating in the Wetland Health E...
06/11/2007
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Maple Grove Moments Photography Contest!..... Capture Maple Grove Moments. The City of Maple Grove is proud to partner with Prime Advertising & Design, Inc. as we look for some great shots for our photo library, website, and area-wide publications. Please share your photographic skills and snaps...
06/11/2007
New Date and Venue for Arts Council Art Fair: Mark your calendars as the Arts Council hosts their annual Maple Grove Art Fair at: The Shoppes at Arbor Lakes on Saturday and Sunday, September 19 and 20, 2009. This event is free and open to the public. More than 70 artists will display and sell th...
06/11/2007
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Freshness 4 You at the Farmer's MarketNow in its fourth year, the Maple Grove Farmer's Market has become a year-round tradition in the community and northwest metro area. Join us outside at the Community Center every Thursday from 3 pm to 7 p.m. (rain or shine) starting June 14th and running wee...
06/11/2007
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David Kosmecki

local_phone(763) 519-1100
smartphone(763) 519-1100
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