Author Archives for Pacific Residential

Home Décor: Spring Edition

April 23, 2020 8:20 am Published by Comments Off on Home Décor: Spring Edition

This blog was co-written by Mortgage Advisor Elise Bowman.  Buying a home is a big deal. It often comes with stress and nerves, especially if you’re a first-time homebuyer. Keep in mind that it also has plenty of moments filled with joy and excitement, as well. One of the most exciting parts of owning a... Read More

What are Closing Costs?

March 13, 2020 11:51 am Published by Comments Off on What are Closing Costs?

Whether it’s your first home or your third, there’s a lot to know and understand when you’re buying a home. At the beginning of homebuying journey, many first-time buyers don’t know that there is more cash needed to close the sale than just the down payment. There are a variety of closing costs which come with... Read More

How to Set Up Your Home Office to Maximize Productivity

March 5, 2020 9:33 am Published by Comments Off on How to Set Up Your Home Office to Maximize Productivity

The regular nine-to-five grind isn’t what it used to be. There are now millions of Americans who work remotely, many of whom are part of the freelance economy. This has brought about a newfound concern for optimizing the home workspace. If this is something you’re interested in, read on for some tips on how to set... Read More

What is a HELOC?

February 28, 2020 12:07 pm Published by Comments Off on What is a HELOC?

There comes a day in every homeowner’s life when you want to undertake a home improvement project that exceeds your bank account. Whether it involves hiring a contractor to build your dream kitchen or you just need a new roof doesn’t matter. What’s important is the specific loan product you select; specifically, should you go... Read More

What is an FHA Loan?

February 7, 2020 9:23 am Published by Comments Off on What is an FHA Loan?

There’s no perfect time to buy a home. There will always be outside factors that affect your home buying experience, no matter how much you plan ahead. Thankfully, there are a variety of home loan solutions to meet you right where you are financially. If you need a loan with flexible income, debt, and credit... Read More

5 Tax Breaks for First-Time Homeowners

February 6, 2020 4:33 pm Published by Comments Off on 5 Tax Breaks for First-Time Homeowners

It’s officially time to start filing your taxes! With the 2020 deadline set for mid-April, taxpayers still have plenty of time to file, but the sooner everything is completed, the better. Despite the 2019 changes to write-off deductions, there are still ways for new homeowners to use their house to their advantage. Let’s break down the... Read More

8 Questions to Ask Your Real Estate Agent

January 24, 2020 11:01 am Published by Comments Off on 8 Questions to Ask Your Real Estate Agent

Sometimes the most difficult part of buying a home is simply knowing where to start. That’s why it’s crucial to have a team of professionals guiding you every step of the way. Your real estate agent and mortgage lender should be educated, informed, and willing to find the ideal long-term solution that meets your wants and needs.... Read More

What is a Reverse Mortgage Refinance?

January 23, 2020 11:26 am Published by Comments Off on What is a Reverse Mortgage Refinance?

Are you nearing retirement? Maybe you are already retired, but you’re not getting the most out of the equity in your home. If you are on a fixed income or looking to make a significant addition to your finances, a reverse mortgage refinance might be for you*. Reverse mortgages have become a useful retirement planning... Read More

What is a Loan Estimate?

January 16, 2020 3:03 pm Published by Comments Off on What is a Loan Estimate?

Your Loan Estimate is critical to the mortgage and homebuying processes, but many buyers don’t know why. A Loan Estimate is a multi-page form that details the financial specifics of the loan you requested. After applying for your mortgage, your lender must provide this Loan Estimate within three business days of receiving your application. This will... Read More

Get a Jump on Tax Season!

January 15, 2020 12:14 pm Published by Comments Off on Get a Jump on Tax Season!

We understand that tax season can be a stressful time of year as individuals and business owners scramble to file their tax returns accurately and on time. Fortunately, if you’re ready and aware of what to anticipate, you can feel confident knowing that your filings will be handled as smoothly as ever. The Internal Revenue... Read More