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…

Female, Single Millennials Rising in Homeownership

According to a recent study released by Ellie Mae, more single females from the millennial generation are buying homes than single men. While most borrowers are married men, the single cohort offers what many may consider a surprising result. From the millennial generation, 60% of women that were listed as the primary borrower were single….

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…

5 Most Common Renovations that Lower Home Value

Every do-it-yourself project should have two measures of success. First, ask yourself if the renovation will make the home more enjoyable or attractive to you. This is where most homeowners stop in their analysis of whether to continue with a home project. The second, and perhaps more important, is determine what effect this project will…

5 Tips to Compete Against Cash Buyers

A cash offer is very attractive to the seller for a couple of reasons. First, it means there is no issue of  waiting on a loan approval. Will the buyer get approved or not? Also, cash expedites closing in most cases. It can be hard to compete against another buyer that is able to pay…

New Retail Branch in Reno, NV for Pacific Union Financial, LLC

Continuing to expand its Retail division, Pacific Union recently opened a new Distributed Retail branch in Reno, Nevada. The new branch will serve potential homebuyers seeking mortgage solutions, as well as those interested in refinancing an existing home loan in Reno and surrounding areas. Branch Manager, Dana DeSarle (NMLS #373601), and Sales Manager, Wayne Cameron…

Is a Buyer’s Market Coming Soon?

Many regions in the United States have been a seller’s mortgage market for years. There are a number of reasons that the market has been so favorable to the seller, but factors are pointing to a switch. Those sellers that missed the wave that crested to its height over the summer may have some regrets…