American Pacific Mortgage

American Pacific Mortgage

Thursday, June 5, 2025

What Happened to Buying Season?

 

Mid-Year Market Check-Up: What’s Ahead

Summer is here—and while the weather is (mostly) heating up, the real estate market feels cooler than usual. Traditionally a busy buying season, this year is seeing more homes on the market and motivated sellers, but fewer active buyers. That means: Pre-approved buyers are in the driver’s seat.

- Inventory is rising, offering more choice

- Negotiation power is shifting toward buyers

- Prices are holding steady (for now), but appreciation is slowing

- Interest rates remain around 7%, though there's buzz about potential cuts if inflation continues to ease

Thinking about buying or refinancing? Let’s connect and get you pre-approved—timing matters!

Buy Before You Sell – A Game-Changer Program

No more sale contingencies! We’re excited to offer a new HomeLight program that lets you buy your next home before selling your current one.

Here's how it works:

✔️ HomeLight goes under contract to buy your existing home

✔️ You get cash over the current loan amount up to 70% of your home’s value (or more) for your new down payment

✔️ You move into your new place stress-free

✔️ Your old home is listed and sold with your agent’s help

Move forward without looking back. Contact us for details on how this program can work for you!

Client Spotlight: 


Shana and Robyn bought their first home in 2021. They currently live there with their two girls, Poppy and Goldie. We asked them a few questions about their homeownership journey.
 
What do you enjoy most about your home?
We love having a home that feels like a 5th member of the family. Our children are growing up here and we already have so many memories of our girls running around the halls.
 
What do you wish you knew going into it?
We wish we knew that it’s easier than we thought it was to be homeowners. It felt like this monumental milestone that was for “other people”, but after going through it step by step, it’s absolutely achievable and so fulfilling. 

What does homeownership mean to you?
Homeownership gives us a deep sense of pride and belonging. We love puttering around our house and making it a fairytale background in what will hopefully be an idyllic childhood in our children’s memory. 

First-Time Buyer at 72!

Yes, it’s possible—and yes, we did it. We recently helped a 72-year-old first-time buyer qualify with a unique mix of income sources: pension, employment, social security, and Boarder income from his adult daughter. Thanks to HUD’s new guideline, we were able to use that rental income to qualify—and his loan was approved!

🙌 Sometimes the right loan just needs the right advocate.

Your Referrals Mean the World

Referrals from friends, family, and past clients are the heart of our business. Know someone who could use mortgage guidance and advocacy? Send them our way—we’ll take excellent care of them.

Stay Connected!

📱 Visit My Website

💬 Let’s chat anytime about your home financing goals.

📧 Email Me | ☎️ Call: 714-290-6940

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