12 Smart Ways to Use a HELOC or Home Equity Loan in 2025 Thinking about tapping into your home equity this year? With property values up across California, many homeowners are looking at Home Equity Lines of Credit (HELOCs) and Home Equity Loans (HELOANs) as flexible tools for making their financial goals happen. [...]
FHA 203(k) vs. Freddie Mac CHOICERenovation®: Comparing Top Renovation Loan Options Renovating a home—whether you’re buying a fixer-upper or looking to modernize your current property—often means finding the right financing. Two of the most popular renovation loan options available today are the FHA 203(k) and Freddie Mac CHOICERenovation® loans. While both are designed [...]
Your Guide to Refinancing: What Every Homeowner in Northern California Should Know Refinancing your home can be a powerful tool for Redding and Shasta County homeowners looking to optimize their finances—whether by lowering monthly payments, accessing home equity, or paying off a loan faster. But what exactly does refinancing involve, and how can [...]
The STaR Loan Program: Helping Public Servants Achieve Homeownership At US Lending Company, we understand the significant contributions made by public servants, whether they're teaching our children, protecting our communities, or saving lives on the front lines. That's why we're proud to offer the STaR Loan Program, created to give back to the [...]
How to Finance & Purchase an Investment Property Investing in real estate can be a smart way to build wealth and generate passive income. However, navigating the financing process and purchasing an investment property can be complex. This guide will walk you through the steps to secure financing and make informed decisions when buying [...]
Do I Qualify as a First-Time Homebuyer? Navigating the maze of home ownership might be daunting if it's your first time considering buying a home. The mortgage landscape seems complex to novices. But fear not, as US Lending Company is here to illuminate the path for those contemplating whether they meet the criteria [...]
8 Crucial Mortgage Questions Homebuyers Should Ask Purchasing a home is a significant investment, one that can bring many rewards but also requires careful consideration, especially for first-time buyers making such a substantial financial commitment. First, congratulations on taking this important step! Homebuying demands confidence, perseverance, and knowledge. If you're feeling uncertain about [...]
How to Build Wealth with Real Estate When you think of a real estate investor, you might picture a high-profile figure in a sleek suit. However, anyone who owns a home is already a real estate investor. Becoming one isn't as daunting as it seems; you just need to know where to begin. We [...]
How Important is my Credit Rating when Buying a Home? The short answer is very important. And it is worth protecting. Preserving your credit rating or score holds significant importance, particularly when considering a home purchase and applying for a mortgage loan. This milestone marks one of the largest loan amounts we typically [...]
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©2025 American Pacific Mortgage Corporation. All information contained herein is for informational purposes only and while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Some products may not be available in all states, and restrictions apply. Equal Housing Opportunity. www.apmortgage.com/
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