How Does the New Tax Bill Impact Homeowners and Home Buyers?

Steve Herndon homeowner tax bill

The Tax Cuts and Jobs Act was signed into law in December, 2017. This new bill amends the Internal Revenue Code to reduce tax rates and modify policies, credits, and deductions for individuals as well as businesses. Some of the changes have already taken place and will continue through 2018. As a homeowner or home buyer, here is […]

Managing Your Spending When Buying a Home


If you’re thinking about buying a home, you’ve probably crunched the numbers time and time again. Undoubtedly, you know a thing or two about the components of a mortgage payment, including the principal and interest you will pay. While it’s prudent to know about your monthly mortgage bill, there are other expenditures associated with homeownership […]

Learn How To Lower Your Mortgage Payments Today

You may be able to reduce your monthly payment through a mortgage refinance     Get a Competitive Mortgage Rate And Start Saving There are a number of ways to lower your mortgage payment. Helping you choose the most competitive loan program that meets your unique financial circumstances, using our extensive loan portfolio, is our […]

The Low Down On Low Rates

The interest rate on your loan can impact the amount of money that you pay each month and over the life of your loan, so naturally you want to get the lowest rate possible. After all, even a percentage of a point off can put thousands of dollars back into your pockets. This is why […]

Mortgage Pre-Approval: Everything You Need to Know


  We are here to help walk you through the process in getting your home loan. The first step is getting pre-approved for your loan. A pre-approval gives you the security of knowing how much home you can afford, tells you the costs of taxes and insurance and lets you know what your monthly payment […]

Everything You Need to Know About Getting Pre Approved For a Home Loan

Becoming a first-time homeowner is an exciting adventure. While there are several steps involved, our goal is to simplify the process so you can find your perfect home. Getting pre-approved for a home loan is the first step on your path to becoming a homeowner. What is a pre-approval? A pre-approval means that a lender […]

How to Start the Home Buying Process Start

If you’re thinking about purchasing your first home, you may feel overwhelmed or confused on where and how to start. What are the first steps? Who should you talk to first? What professionals should you use? Starting the home buying process doesn’t have to be overwhelming or confusing. As a Senior Loan Officer with American Pacific […]

Buying your first home should be an exciting experience.

We can keep it from becoming an overwhelming one.   First Time Buyers When you are ready to become a first-time home buyer, we are here to help you through the entire process. You want clear instructions, easy steps to follow, and no surprises. We want to educate you about the mortgage process, and guide […]