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…

Accessible Mortgage Equity at an All-Time High

According to the Mortgage Monitor report generated by Black Knight, the amount of accessible equity is at an all-time high. More and more Americans are discovering that their homes have more value available within them. One of the biggest drivers of this home equity trend are appreciating property values across the United States. Home values have…

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….

Credit Card Debt Could Be a Barrier to Owning a Home

According to a new study released by NerdWallet, credit card debt in the United States continues to increase. As of 2017, household credit card debt reached a balance of $15,654. Let’s compare the amount of money spent on credit card debt to a mortgage. Last year, Americans owed $8.74 trillion on their mortgages while owing…

FHA Increases Loan Limits for 2018

The Federal Housing Administration announced recently that they are increasing the FHA loan limits for 2018. FHA loans are originated by FHA-approved lenders and are insured by the FHA as part of the public mandate to assist Americans in purchasing a home. The 2018 increase affects nearly every area of the United States, more than…

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…