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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

2013 

Here is a great idea for making cookies and exchanging them as Gifts for the Holidays Click on the Link to read the article by Pilsbury.How to Host a Holiday Cookie Exchange  
12/13/2013
It's that time of year again when the weather outside gets frightful but the holiday cheer is delightful. You've probably got a lot on your mind during these busy winter months, but make sure that you don't neglect the roof of your home. Taking care of your roof is an important part of home maint...
12/13/2013
Interest rates fluctuate frequently, often depending on the news. If you are considering refinancing your home, your loan officer may suggest locking in the interest rate on your loan. There are some valid reasons why this is a good idea including: Saving Money For The Long-term: Over the life of...
12/12/2013
Have you ever considered paying off the mortgage on your home in two biweekly payments rather than one monthly payment? It might seem like this wouldn't make a difference, but the truth is that biweekly payments really do add up more quickly. Since there are 52 weeks in a year you will end up mak...
12/11/2013
When preparing for a closing on your refinance or home purchase, one of the documents you will be provided with a few days before closing is a HUD-1 Form. This form provides you with valuable information about your loan. While at first, this three page document may seem intimidating, if you under...
12/11/2013
When it's cold outside, there's nothing quite as cozy as curling up on the sofa with a good book in front of a roaring fire. A fireplace evokes the idea of a warm and pleasant atmosphere. However, if it isn't properly maintained, your living room could be filled with a cloud of soot, or worse, fi...
12/06/2013
Yesterday you may have read the blog post on questions to ask yourself before applying for a mortgage. Here are 5 additional that you may want to think about before you go into your meeting with your loan officer. Here are questions 6-10 that you may need to get answers to before completing your ...
12/05/2013
If you are considering applying for a refinance, it is important to understand the mechanics of your mortgage loan. Before you sit down to speak with your loan officer, you should consider preparing a list of questions you feel may need to be answered. Typically, your loan officer will be availab...
12/05/2013
According to the S&P Case-Shiller 10-and 20-City Housing Market Indices for September, home prices grew at an average of 13.30 percent year-over-year and achieved the highest growth rate for home prices since February 2006. On a month-to month basis, home prices are slowing in most areas with 19 ...
12/03/2013
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David Kosmecki

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