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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.



In this short video I explain some of the options New Home Buyers have to face. These early decisions will greatly affect the entire home building process. Which "type" of builder and how am I going to structure the financing are 2 of these critical early decisions you have to make.   Dave Kosme...
I have believed that our Country has been built on immigration and that it is good for America. I still do, but after watching this video, a more controlled immigration is what is necessary. I believe that new immigrants are the people that do the jobs that us fat and lazy Americans just don't w...
The Video that CNBC posted on You Tube explains part of the Subprime problem. How they sold subprime mortgage paper as Grade AAA. Easy to understand explanation. They have been doing the same thing with Alt A (stated income) paper as well. The video shows in a flip chart fashion that everybody c...
Dave Kosmecki in this short video explains why this is the perfect market to purchase your home. He explains that with more choices and fewer buyers, the buyers are now in control. A much different situation than a few years back with buyers were having to over pay to get their "bid" even conside...
The American Cancer Society's Relay for Life brings people together from all walks of life with the common goal of eliminating cancer. No matter who you are or what your age, there's a place for you at Relay. You may be a survivor or currently experiencing your own cancer journey; a family membe...
With summer weather, thefts from vehicles increase in parks, residential neighborhoods, and public parking areas. You have the ability to help prevent this crime from happening. Follow these tips to help avoid becoming a victim: • Lock your doors and roll the windows up tight. • Park in a well l...
Mr. Bernanke (Fed Chair) spoke to Congress today and walked very lightly, being afraid to negatively affect the market as his speech was on inflation (a bad thing for both stocks and bonds). In his speech he discussed his views that higher fuel and food prices have little effect on the market. H...
Home Buyers Want to Know Your Home Inside And Out While home-buyers are as individual as the homes they plan on purchasing, one thing they share is a desire to ensure that the home they will call their own is as good beneath the surface as it appears to be. Will the roof end up leaking? Is the wi...

David Kosmecki

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