10 DIY Summer Ideas to Renovate Your Home

With great weather and plenty of daylight, summer is an ideal time to renovate your home. And if the kids are home, why not put them to work with a paint brush or some garden tools to keep them active? Here are ten ideas that you can do yourself to renovate your home this summer….

Protect Your Equity with Pacific Union Financial

When we started offering PacificPlus, we did it to address a simple question: How can buyers protect their down payments? As it turns out, people were interested in covering the largest portion of their home investment. Which makes sense. Having a little less uncertainty and a little more safety is a great feeling! So, we…

10 Best Cities to Avoid Traffic

A recent survey compiled by The Telegraph revealed that people really do not like sitting in traffic. According to the poll, 34% of survey respondents chose getting caught in a traffic jam as their biggest cause of everyday stress. It was the highest result on the entire list. If you also hate sitting in traffic,…

5 Tips for Getting a Mortgage Loan with a Partner Who Has Challenged Credit

Most married couples apply for a mortgage home loan jointly, meaning that they each put their name on the application. The biggest benefit to this is that the couple can pool their financial resources together. A joint application will assess both incomes. This affects a number of important metrics that mortgage companies use in assessing…

How to Select Your Next Hot Water Heater

If you are in the market for a new hot water heater, then there are a couple of things you need to consider. The first is, of course, to be sure that you’ve got a ready supply of hot water. The other is taking advantage of the significant technological advances in water heaters for both…

Cash Out for Spring Break

Spring break! Two words to bring joy to the hearts and minds of students, if some trepidation to their parents. Let’s take a look at some of the best spring break options for solo students, family outings, and those who want something just a little different – and how to afford the trip of a…

Refinancing: What It Is and Why to Do It

You’ve likely seen a lot about mortgage refinancing. It’s often in the news and on the web because it’s a common financial move that can help homeowners in a variety of ways. But what is refinancing, exactly, and what are the reasons to consider it? What Is Refinancing? Refinancing is the process of replacing your…

Your 1098: What’s in All Those Little Boxes?

Tax season! There’s nothing more delightful than looking at little boxes full of numbers and copying those numbers into other little boxes, or sitting in the office of your tax preparation pro and watching them copy numbers into little boxes. While we can’t make tax season as fun as a birthday bash in Vegas, maybe…

When to Drop Your Asking Price

There is no question that 2017 was a seller’s market. A recent study by the National Association of Realtors, revealed that 99% of listings received their asking price. However, sellers should be careful in having exorbitant expectations on what they can fetch for their home. While housing inventory has been limited, buyers simply won’t pay…

Your Guide to the Mortgage Market

Thinking of buying a home? Perhaps you’re considering selling your home instead? The mortgage market in 2017 has seen some significant changes compared to previous years. The profile of the average buyer and seller is different when compared to even just last year. A great deal of information can be gleaned from the 2017 Profile…