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 [...]
Why Should I Get an Annual Mortgage Review? Just as we make it a priority to have annual checkups with our doctors for our physical well-being, it's equally crucial to dedicate time each year to evaluate our financial health. One key component of this proactive financial checkup is the annual mortgage review. This [...]
Budgeting to Buy a Home in 2024 Now that the holiday season is behind us, it's time to fully implement those New Year's resolutions. If your goals involve financial objectives such as saving for retirement, clearing student loan debt, or purchasing a home, continue reading for valuable financial planning tips. The beginning of [...]
Unlocking Income: 5% Down Payment for Multi-Family Homes Think multi-family properties like duplexes, triplexes, or fourplexes are only for the elite? Think again! Now, you can enter the game with just a 5% down payment. Starting November 18, 2023, Fannie Mae slashed the down payment requirement for owner-occupied multi-family properties from 15-25% to [...]
Home Renovations for a Strong Return on Investment (ROI) One of the perks of owning a home is the ability to personalize it to your liking. While home renovations allow for customization, it's vital to recognize that these changes can influence your home's value, either positively or negatively. Not everyone desires a sunroom at [...]
8 Heartwarming Holiday-Giving Ideas for the Whole Family This Season As the holidays are fast approaching, it's more than just feasts and gatherings; it's a time for giving. We've collected 8 of our favorite holiday-giving ideas for giving back to others in this holiday season. Shifting the focus from personal wish lists to [...]
Understanding a 3-2-1 Interest Rate Buydown In challenging times with high-interest rates, buying a home might seem daunting, but there are advantages. Higher rates often mean: Less competition. Lower prices. Motivated sellers are often open to concessions. This can include negotiation over closing costs and mortgage discount points. This is where the 3-2-1 Interest [...]
Unlocking Tax Savings: 5 Must-Know Deductions for Homeowners When it comes to homeownership, seizing every possible deduction can significantly boost your tax refund. You might be wondering how aspects like mortgage interest, home improvement expenses, and property taxes impact your annual tax bill. Let's unravel the complexity and explore the top tax deductions [...]
Feeling overwhelmed by High-Interest Debt? High-interest credit card debt can be a significant financial burden. Paying off this debt with today's soaring interest rates can require substantial sacrifices. However, if you're a homeowner, there's an alternative that doesn't involve extreme austerity measures. You could tighten your purse strings, living on a strict budget while [...]
USLENDING COMPANY, 2280 BECHELLI LANE, REDDING, CA, 96002 (530) 244-6830
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©2024 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 subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply. Equal Housing Opportunity.
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