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…

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…

Pacific Union Financial, LLC Expands Executive Leadership

Pacific Union Financial, LLC named Michael Gallo, Executive Vice President of Wholesale National Operations. Michael brings more than a decade of Executive Wholesale leadership experience to Pacific Union. In his new role, Michael will be responsible for revamping the Pacific Union Wholesale Operations team, as the company makes strides to continue to be an industry…

Pacific Union: What We Believe

Mortgage isn’t quite like any other business. On any given day, we’ll help a young family buy a home in which children will grow, or enable someone to tap into their home’s equity and send a scholar off to college, or get an empty nester a home loan refinance so they can remodel their home…

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…