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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.



Imagine how frustrated you'd be to find out that the hot water heater wasn't working - in the middle of your very first shower in your new home! This, among other very good reasons, is why you should have a home inspection before you buy your home. When you buy a home, you need to know exactly wh...
One of the biggest improvements that you can make to your home is to bring in more natural light. Sunlight is a powerful mood enhancer and a home design that brings in a lot of natural light will automatically look and feel much more pleasant. Not only will it boost your mood, bringing in natural...
If you are applying for a mortgage to buy a home, doing your homework in advance before you submit the application means that you will stand a better chance of getting accepted at a desirable mortgage rate. According to mortgage experts, it is a good idea to gather up all of the needed documents...
According to the National Association of REALTORS®, national sales of existing homes in June came in at 5.08 million. June's reading was reported to be the second highest since November of 2009; this should calm concerns about a lapsing recovery in housing markets. Summer typically produces the ...
If you have purchased a new home and are going to move in soon, what are the first few things that you will need to do upon moving into your new home? Moving can be very stressful, but having a checklist can make your move effortless. Here are 6 easy steps that can eliminate any frustration and h...
Mayor's Prayer Breakfast Coming in May. The 5th annual Mayor's Prayer Breakfast will be held on Thursday, May 7, at 7:30 a.m. at Rush Creek Golf Club in Maple Grove. This community event is a chance for people to come together to celebrate a common spirituality and build bridges through the mess...
Visit NBCNews.com for breaking news, world news, and news about the economy In this 3-minute video, NBC's The Today Show does a good job of answering the question.The conclusion? Yes, but not if you're going to overpay.The Buyers Market is ending, we learn, as home prices rise across most of the...
Any family would feel violated after coming home to a ransacked house. Burglars look for specific things when choosing a home to break into, and many homeowners are unknowingly inviting criminals through the front door. Below are five ways you can avoid drawing the eyes of thieves and deter your ...
The National Association of Home Builders (NAHB) / Wells Fargo Housing Market Index (HMI) rose in July. Home builder confidence in the market for newly constructed single-family homes rose six points to a reading of 57. NAHB reports that this was the third consecutive rise in the HMI and its high...
In this short video, Dave Kosmecki explains why now is the time to buy. This is the best time in many years to buy that new home. Based upon my 30+ years of experience, this type of buyer's market only comes around once every ten to fifteen years. Get in now while this opportunity exists. This w...

David Kosmecki

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