Are Adjustable-Rate Mortgages Making a Comback? Here is What Homebuyers Should Know

For years, adjustable-rate mortgages—or ARMs—weren't getting much attention. They became q uite unpopular and were considered "risky" post the Mortgage meltodwn of 2008 - 2010.  And then, with fixed mortgage rates at historically low levels, most borrowers had little reason to consider them.

But things have changed.

According to the Mortgage Bankers Association's October 28, 2026 report, adjustable-rate mortgages now account for 11.3% of mortgage applications, their highest share in more than a year.

Why?

Homebuyers are looking for ways to make their mortgage payments more affordable.

And depending on the loan program and borrower, an adjustable-rate mortgage may offer a lower initial interest rate than a traditional 30-year fixed mortgage.

But does that make an ARM the better choice?

Not necessarily.

How Does an Adjustable-Rate Mortgage Work?

Let's use a 7/6 ARM as an example.

The interest rate is fixed for the first seven years. After that, it can adjust every six months based on the loan's index, margin and adjustment limits.

Other common options include 5/6 and 10/6 ARMs, which provide initial fixed-rate periods of five or ten years.

The important distinction is that your rate isn't necessarily fixed for the entire 30-year loan term.

What Could the Initial Payment Difference Look Like?

Consider a hypothetical $750,000 mortgage:

	30-Year Fixed	7/6 ARM
Interest rate	7.00%	6.25%
Monthly principal & interest	$4,990	$4,618

That's approximately $372 per month in initial payment savings.

Of course, these are just illustrative rates rather than actual loan quotes. The comparison excludes taxes, insurance and other housing expenses, and doesn't account for differences in closing costs.

And remember: The ARM payment could change after the initial fixed period.

Who Might Consider an ARM?

An ARM may be worth exploring if you expect to sell or relocate before the initial fixed-rate period ends, want to compare initial payment savings, or have the financial flexibility to manage potential future increases.

But your plans can change.

You might decide to stay in the home longer than expected. Mortgage rates might not decline. And refinancing may not be available when you want it.

That's why it's important to understand the potential payment increases before committing.

What Should You Compare?

When evaluating an ARM against a fixed-rate mortgage, I want my clients to understand:

• The initial interest rate and monthly payment.

• How long the rate remains fixed.

• The index and margin used for future adjustments.

• The adjustment caps and maximum potential payment.

• The total financing costs and expected length of ownership.

An ARM may be a very useful financing tool. But it needs to fit your particular situation. How long will you stay in the home?  What is the future rate outlook?

My Approach: Let's Look at the Entire Picture

After more than 30 years in mortgage lending, I've learned that the best mortgage isn't always the one with the lowest initial rate.

It's the one that fits your financial circumstances, goals and tolerance for risk.

If you're considering buying a home in California, I'd be happy to compare fixed-rate and adjustable-rate financing options so you can make an informed decision.

Karen Card
Sr. Loan Officer | NMLS #235218
The Card Team | American Pacific Mortgage Corporation
714-290-6940
www.card-team.com

Should I Buy Now or Wait for Rates to Drop?

 It's one of the most common questions I hear from prospective homebuyers:

“Should I buy now, or wait until mortgage rates come down?”

It's a reasonable question. Buying a home is a major financial decision, and today's mortgage payments can feel daunting.

But here's something worth considering: The right time to buy isn't determined by the mortgage rate alone.

It's about the home price, the complete monthly payment, your financial stability, the cash you'll have left after closing, and how long you expect to own the property.

What If You Buy Now?

In some markets, buyers have more negotiating opportunities than they did when homes were selling with multiple offers and few concessions.

A seller might consider a lower purchase price, help with allowable closing costs, or provide a credit that can be used toward financing.

Sometimes a seller credit toward closing costs or a rate buydown may be more useful than a similar reduction in the purchase price.

But the answer depends on the buyer, the financing program and the transaction.

What If You Wait?

Waiting may be the right choice if you need more savings, want to reduce debt, expect a change in employment or simply aren't comfortable with the payment.

And yes, mortgage rates may be lower in the future.

But we don't know when, by how much, or what home prices and buyer competition will look like when that happens.

Waiting for lower rates doesn't guarantee a more affordable purchase.

What About Refinancing Later?

A future refinance may be an option if rates decline, but it should never be assumed.

Refinancing depends on your future financial qualifications, the property's value, available loan programs and the cost of the transaction.

I believe buyers should be comfortable with the financing they accept today—not depend on refinancing later to make the purchase affordable.

My Approach: Compare the Numbers Before You Decide

I like to show clients several scenarios:

• Purchasing now with today's financing.

• Purchasing with a negotiated seller concession.

• Waiting while saving more money or improving their financial position.

We'll look at the complete monthly housing expense, cash needed to close and the financial trade-offs of each choice.

Sometimes the numbers favor buying now. Sometimes they favor waiting.

My job isn't to convince someone to buy a house. My job is to show them the numbers so they can make an informed decision.

If you're considering a home purchase, I'd be happy to help you explore the possibilities.

Karen Card
Sr. Loan Officer | NMLS #235218
The Card Team | American Pacific Mortgage Corporation
714-290-6940
www.card-team.com

Self-Employed? Don't Assume You Don't Qualify!

 Happy Friday!

One of the questions consumers continue asking Google and AI is:

“I'm self-employed and take a lot of tax deductions. Can I still qualify to buy a home?”

The answer is often YES—but we need to look beyond the obvious.

I've worked with self-employed borrowers for more than 30 years, and one of the biggest misconceptions I encounter is that the income reported on a tax return tells the whole story.

It doesn't always.  And if it does, it can be complicated.

With conventional financing, we analyze the business income, expenses and cash flow. Certain noncash expenses, such as depreciation, may be added back when permitted by underwriting guidelines.  Also home office use, and a couple other items.

When conventional financing doesn't work, we may have other options:

• Bank-statement loans: Some programs use 12 or 24 months of personal or business deposits, adjusted for applicable expenses, rather than relying on tax-return income.

• Asset-based qualification: For buyers with substantial eligible assets, certain programs may allow us to use those assets to help establish qualifying income.  There are a variety of formulas that may be used.

• Non-QM financing: Alternative programs may include P&Ls or qualify based on rental income for an investment property.

Karen's Desk: The Tax Planning Conversation

Here's something I encourage self-employed clients to do: Talk to me before making major tax-planning decisions if purchasing or refinancing a home is on the horizon.

A perfectly legitimate tax strategy that minimizes taxable income may also reduce qualifying mortgage income.This is why collaberation with a Tax or legal professional is always encouraged.

I'm certainly not suggesting anyone pay more taxes than necessary! But coordinating with the borrower's tax adviser before the returns are filed can sometimes preserve more financing options.

Ask Karen

“My buyer has only been self-employed for one year. Should they wait another year before looking?”

Not necessarily!

Conventional guidelines generally look for a two-year history, but there are exceptions for borrowers with at least 12 months of documented self-employment and appropriate prior experience in the same field or occupation.

The important thing is to evaluate the entire situation before telling the buyer they need to wait.

Realtor Talking Point of the Week

When a prospective buyer says, “I'm self-employed, so I probably can't qualify,” try this:

“Don't rule yourself out! I work with a mortgage professional who specializes in self-employed borrowers. Let's have Karen look at your situation before we make assumptions.”

Sometimes the buyer needs a different loan program. Sometimes we need better documentation. And sometimes conventional financing works after all.

AI Prompt of the Week for Realtors

“Write a friendly, 150-word explanation for a self-employed prospective homebuyer who thinks they cannot qualify because of tax deductions. Explain that conventional and alternative mortgage programs evaluate income differently, avoid promising approval, and encourage a conversation with a mortgage professional experienced in self-employed financing.”

One Final Thought

A complicated tax return doesn't necessarily mean a complicated mortgage—or an impossible one.

If you have a self-employed buyer, I'd love to look at their situation early, before they get discouraged or decide to postpone their purchase.

Have a wonderful weekend!

Karen Card
Sr. Loan Officer | NMLS #235218
American Pacific Mortgage Corporation
714-290-6940
www.card-team.com

October — Fall Is Here…Even If Mortgage Rates Aren't Falling!

I haven't written much lately about travel and fun, but I've certainly managed to squeeze some in!

I recently spent four days in Bermuda Dunes celebrating a birthday at an amazing home complete with our own pickleball court, sand volleyball, ping pong and a swimming pool with a slide. Much fun was had playing pickleball and Mahjong!

Then it was off to San Diego to watch my grandchildren race their Sabots while their parents were off gallivanting around the world. San Diego Yacht Club is always a fun place to spend a weekend.

Next up is Cabo Pulmo for some scuba diving—one of our favorite dive destinations. We're hoping for lots of fish, maybe some sharks and, if we're really lucky, whale sharks! We'll finish in La Paz, staying at the marina while our friends from DPYC head out fishing. Hopefully they'll return with somthing good for dinner!

And now, back to real estate…

MORTGAGE RATES ARE OVER 7%. NOW WHAT?

Take it from me—the sky is not falling…but we sure wish interest rates would!

I've been in the mortgage business long enough to have seen just about every kind of market. Homes will continue to sell and buyers will continue to buy them. The numbers have changed, but that simply means we have to look at financing a little differently.

One option getting renewed attention is the Adjustable-Rate Mortgage, or ARM.

Before the Great Recession, ARMs were quite common. In fact, many of the loans I originated were 5-year ARMs. Why? Because many California homeowners didn't keep the same mortgage for decades. They moved, refinanced to access equity, or refinanced when better rates became available.

ARMs fell out of favor after the mortgage meltdown, along with many loan products that were considered risky. Today's ARMs, however, are not necessarily the same products borrowers may remember from that era.

With long-term fixed rates where they are today, ARMs are worth another look. They aren't as readily available as they once were, but I do have sources for them.

The important question isn't simply, “What's the lowest rate?” It's “Which loan structure makes the most sense for how long you expect to own the home and keep the mortgage?”

SELLER CREDITS — ONE OF MY FAVORITE STRATEGIES

One of my favorite moves is to have an offer accepted on a property and THEN, when appropriate, renegotiate the purchase price UP. Why on earth would we do that?

To generate a seller credit that can save the buyer a substantial amount of cash out of pocket.

For example, rather than purchasing a home for $1,000,000, we might restructure the transaction at $1,020,000 with a $20,000 seller credit toward allowable closing costs, prepaid expenses or a rate buydown. The seller's net can remain essentially the same, while the buyer gets $20,000 of real benefit toward the financing.

And here's something many buyers—and even some Realtors—don't realize: the appraisal does not necessarily have to come in at the increased purchase price.

The lender will base the loan on the applicable value under the loan program. If the buyer is making a large down payment, as one of my current clients is doing, there may be plenty of room for an appraisal below the contract price without changing the loan amount at all. With a smaller down payment, an appraisal below the contract price could require the buyer to bring some additional cash.

Of course, seller credits are subject to the limits and eligible uses of the particular loan program. That's why I like to get involved before the offer is structured—or immediately afterward.

Sometimes the best negotiation isn't getting the seller to lower the price. It's getting the seller to help solve the buyer's financing problem.

SELF-EMPLOYED? PLEASE TALK TO ME BEFORE YEAR-END!

If you're self-employed and think you may buy or refinance real estate next year, now is the time for us to talk—not after your tax returns have been filed.

Whenever possible, I like to review the financial picture with my self-employed clients before year-end and coordinate with their tax professional as appropriate. That gives us an opportunity to understand how their tax-return income may affect mortgage qualification before decisions become final.

And sometimes the answer isn't changing anything on the tax return at all.

We have a variety of financing options that may not require traditional tax-return income qualification, including bank-statement and other alternative-documentation programs.

The important part is pre-planning.

Please don't call me in April and say, “I just filed my taxes and now I'd like to buy a house.” 😊

Call me before year-end so we can look at the options first.

---

FROM KAREN'S DESK — A REAL-LIFE SOLUTION

This month I worked with a client who wanted to pull cash out of a rental property to pay for remodeling and upgrades.

Both the rental and the client's primary residence were owned free and clear, so rather than automatically putting the new financing on the rental, we looked at the entire picture.

The better solution? A Home Equity Line of Credit (HELOC) on the primary residence, where we could obtain a lower rate than financing the investment property.

I also like using a line of credit for projects like this because remodeling expenses don't usually happen all at once. With a HELOC, the borrower can draw funds as the project progresses and pay interest only on the amount actually borrowed, subject to the terms of the line. Why borrow—and pay interest on—money you won't need for another six months?

Later, if it makes sense, we can evaluate converting or refinancing the outstanding balance into fixed-rate financing.

It's a good reminder that mortgage planning isn't just about finding a rate. It's about looking at the entire picture and finding the financing structure that works best for that particular client.

Should I ask for a Lower Home Price or a Seller Credit?

Happy Friday!

Every week I research the questions homeowners and buyers are asking Google and ChatGPT about home purchases, mortgages and the issues surrounding homeownership.

This week I want to turn that around and give you a question to ask me before you negotiate your next offer:

If the seller is willing to give $20,000, where should we put it?

Should a buyer negotiate $20,000 off the purchase price?

Or would they be better off keeping the price where it is and negotiating $20,000 toward their financing and closing costs?

The answer may surprise your buyer—and it definitely isn't the same for everyone.

A simple example

Suppose a buyer is purchasing an $800,000 home and the seller is willing to give up $20,000 to make the transaction happen.

Reducing the price to $780,000 sounds terrific. And depending upon the transaction, it may absolutely be the right choice.

But a $20,000 reduction in sales price doesn't translate into a $20,000 reduction in the loan. If the buyer is financing 80%, for example, the loan amount only decreases by about $16,000.

Depending upon the buyer's interest rate, that's likely a relatively modest reduction in the monthly principal-and-interest payment.

Now let's consider keeping the price at $800,000 and using some or all of that $20,000 as an allowable seller credit.

Depending on the loan program and the buyer's particular situation, that money could potentially help with:

• Closing costs and prepaid expenses
• Discount points for a permanent rate reduction
• A temporary interest-rate buydown
• Preserving some of the buyer's cash rather than using all of it at closing

Seller-paid financing concessions such as discount points and temporary buydowns are recognized under conventional guidelines, subject to applicable interested-party contribution limits and program requirements. 

The point isn't that the seller credit is always better. It isn't.

The point is that we should do the math before deciding how to negotiate the $20,000.

Karen's Desk

This is where I can really help before you write the offer or counteroffer.

Give me the purchase price, the amount the seller may be willing to concede and a little information about the buyer.

I can model the alternatives:

What happens if we reduce the price?
What happens if we use the money toward closing costs?
What happens if we use it toward the interest rate?
What happens if we structure a temporary buydown?
And which option leaves this particular buyer in the strongest position?

A few times I have had clients who were running short of cash to close.   Before the appraisal was performed, they went back to the seller and increased the price by the amount needed and then negotiated a seller credit FOR THE IDENTICAL AMOUNT--  which the buyer used toward all closing costs.  And, the proepty still appraised just fine, with the new higher purchase price.  The increase in the mnthly payment was minimal but it saved the deal.

Ask Karen

“Can we just ask for a huge seller credit and use whatever is left over?”

No. Seller contributions are subject to loan-program rules, and the allowable amount and permitted uses vary.

For example, FHA generally permits interested-party contributions up to 6% toward eligible borrower costs. HUD VA's rules are different: certain seller concessions are subject to a 4% limit, while some ordinary closing costs and discount points are treated differently under VA rules. Benefits Conventional financing has its own interested-party contribution requirements.

And importantly, a seller credit isn't simply cash the buyer gets to pocket at closing.

That's another reason to call me before putting the number into the contract.

Realtor Talking Point of the Week

When a seller is willing to negotiate, instead of automatically saying:

“Let's ask for another $20,000 off the price.”

Try:

“Before we decide how to use that $20,000, let's have Karen calculate which option gives you the greatest benefit. A price reduction, closing-cost credit or financing concession can affect your transaction very differently.”

That's a much more valuable conversation than simply negotiating price.

The takeaway

Don't just negotiate the price. Negotiate the transaction.

If you have a buyer getting ready to write an offer—or you're working a counter and there's money on the table—call me before you decide where to put it.

Sometimes a few minutes running the numbers can make that $20,000 work much harder for your buyer.

Have a wonderful weekend!

Karen Card
Sr. Loan Officer | NMLS #235218
The Card Team | American Pacific Mortgage
714-290-6940
www.card-team.com

Mortgage Rates Are Over 7%—Should I Wait to Buy a House?”

Happy Monday!

My Friday update is arriving a little late this week—I was out of town and just got back. But with what's happened to mortgage rates, I didn't want to skip this conversation.

Every week I research the questions homeowners and buyers are asking Google and ChatGPT about home purchases, mortgages and the issues surrounding homeownership.

And this week's question is pretty obvious:

“Rates are back over 7%. Should I just stop looking?”

According to Freddie Mac, the national average 30-year fixed mortgage rate reached 7.03% last week, up from 6.76% just two weeks earlier.  And it is currently approaching almost 7.5%,

There's no question about it: higher rates affect affordability and purchasing power.

But before your buyers get discouraged—or automatically decide they need to dramatically lower their price range—let's run the numbers.

The interest rate is only ONE part of the equation.

When I work with a buyer, I'm looking at the complete monthly obligation:

Principal + Interest + Property Taxes + Insurance + HOA + Other Monthly Debt

Then we look at the entire transaction to see what we can adjust.

Could a seller credit help with closing costs or an interest-rate buydown?

Would a 2-1 temporary buydown make the first couple of years more manageable?

Would paying points for a permanent rate reduction make sense—or not?

Could gift funds allow the buyer to make a larger down payment or preserve their cash?

Does one property have significantly lower taxes, HOA dues or insurance costs than another?

Could paying off a monthly consumer debt have a greater impact on qualifying than putting those same dollars toward a larger down payment?

And are there other loan programs that better fit this particular borrower?

One size does NOT fit all.

Karen's Desk

This is exactly when I don't want buyers—or Realtors—making assumptions based on a headline about mortgage rates.

Let's say your buyer was comfortable with their payment two weeks ago and rates have now moved higher.

Before telling them, “We need to lower your price range,” call me.

I'll rerun the scenario.  Sometimes the answer WILL be that we need to adjust the purchase price.

But sometimes a different financing structure, seller concession, buydown, gift, debt payoff or simply a different property with lower taxes, insurance or HOA expenses can bring the total payment back into a comfortable range.

And sometimes the numbers tell us that the buyer really should wait.

That's okay too.

My job isn't to convince someone to buy a house. My job is to show them the numbers so they can make an informed decision.

Ask Karen

“My buyer was preapproved when rates were lower. Do we need to start over?”

Not necessarily—but we DO need to update the numbers.

A preapproval isn't something we should put in a drawer and forget about while rates are moving.

If your buyer is actively shopping, I want to keep evaluating their purchasing power as the market changes.

Before they write an offer, let's confirm:

• The current interest rate and payment

• Estimated property taxes

• Homeowners insurance

• HOA dues, if applicable

• Cash required to close

• Available reserves

• Seller concessions we may be able to negotiate

• And most importantly, whether the total monthly payment still works for the buyer

I'd much rather have that conversation before you write the offer than discover afterward that the payment is no longer comfortable.

Realtor Talking Point of the Week

When your buyer says:

“Rates are over 7%. Maybe I should just wait.”

Don't tell them rates are going to come down. None of us knows exactly what rates will do next.

Instead say:

“Before you give up, let's have Karen rerun the numbers based on today's rate and the house you're actually considering. Then you can make the decision based on facts rather than headlines.”

That's the conversation I want us having.

AI Prompt of the Week for Realtors

Copy and paste this into ChatGPT:

Act as an experienced Orange County Realtor communicating with a homebuyer who has become discouraged because mortgage rates have risen above 7%. Write a warm, educational and non-salesy email acknowledging that higher rates affect affordability, but explain that the interest rate is only one part of the total housing payment. Encourage the buyer to have their Realtor and mortgage professional review the complete transaction—including purchase price, down payment, seller concessions, possible rate buydowns, property taxes, insurance, HOA dues, other monthly debt and cash reserves—before deciding to stop their home search. Do not predict future mortgage rates or pressure the buyer to purchase. Keep the email under 250 words.

The Takeaway

Rates have changed. That doesn't automatically mean your buyer's goal has to change.

Maybe we restructure the financing.

Maybe you negotiate differently.

Maybe we look at a different price point.

Maybe we discover the buyer is still perfectly comfortable exactly where they are.

And yes—sometimes we determine that waiting really is the right answer.

But let's make that decision based on the actual numbers, not simply because your buyer heard that mortgage rates went over 7%.

If you have buyers who were preapproved before this latest rate move, send them back to me. Let's update their numbers before they give up on their home search.

Have a wonderful week!

Karen Card
The Card Team
Sr. Loan Officer | NMLS #235218
American Pacific Mortgage Corporation

Helping Veterans, Self-Employed Borrowers, First-Time Buyers, Seniors, Families in Transition and Homeowners Navigate Today's Mortgage Market.

Can You Have Two VA Loans at the Same Time?

Happy Friday!

Every week I research the questions homeowners and buyers are asking Google and ChatGPT about home purchases, mortgages and the issues surrounding homeownership.

This week, we're back to VA loans—one of the most misunderstood, yet most valuable mortgage programs available.

And this time, the VA itself is helping clear up one of the biggest misconceptions.

On September 15, the Department of Veterans Affairs issued new consumer guidance reminding Veterans that:

The VA home loan is a lifetime benefit.

A Veteran who has used a VA loan in the past may be able to use the benefit again. And in some circumstances, a Veteran can even have two VA-backed home loans at the same time.

If the Veteran has enough remaining entitlement, meets the lender's credit and income requirements, and intends to occupy the new property as their primary residence, they may be able to keep the existing VA-financed property and use VA financing again to purchase another home.

If the Veteran doesn't have enough remaining entitlement to provide the required VA guaranty for the new loan, a down payment may be required.

This comes up frequently when life changes: A Veteran receives a job transfer.The family has outgrown the current home. They marry and need more space. They relocate but want to keep the existing property. Or their housing needs simply change.

Let's clear up some of the most common questions:

Can I use my VA loan benefit more than once?
YES. There is no limit to the number of times an eligible Veteran can use the VA home-loan benefit, provided the applicable requirements are met.

Can I keep my current house and use VA financing again?
POSSIBLY. It depends on remaining entitlement, qualification and occupancy requirements.

How much entitlement do I have left?
LET'S CHECK THE COE. The Certificate of Eligibility shows previously charged entitlement, and we can calculate remaining entitlement based on the county loan limit for the new property.

Do I have to sell my existing house first?
NO—not necessarily.

Can previously used entitlement be restored?
YES, under certain circumstances. If the prior VA-financed property has been sold and the loan paid in full, the Veteran may request restoration. There are also other restoration situations, including a one-time restoration when a prior VA loan has been paid in full but the Veteran still owns the property.

Will I need a down payment the second time?
NOT NECESSARILY. With full restored entitlement, VA itself doesn't impose a loan limit or require a down payment simply because the benefit has been used before. With partial or remaining entitlement, however, the amount being borrowed and available entitlement may result in a down-payment requirement.

From Karen's Desk

Here's a scenario I want every Realtor to recognize:

Your Veteran client owns House A, purchased with VA financing.

Now they've received a job transfer, their family has outgrown the home, or life is simply taking them somewhere else. They want to purchase House B.

The automatic response shouldn't be:

“You'll have to sell House A first.”

Instead, call me.

Depending on the numbers, your client may be able to keep House A AND purchase House B using another VA loan.

They may qualify with no down payment on the new home, or they may need some down payment depending on the amount of remaining entitlement and the new purchase price.

The important thing is that we don't assume the answer before we run the numbers.

Realtor Talking Point of the Week

Here's the one sentence I want you to remember:

“Never assume your Veteran has already ‘used up’ their VA benefit. Let me pull the COE and calculate the remaining entitlement before we decide what they can buy.”

AI Prompt of the Week for Realtors

Copy and paste this into ChatGPT:

Act as an experienced Orange County Realtor writing to past clients who are Veterans or active-duty military homeowners. Write a warm, educational, non-salesy email explaining that the VA home-loan benefit is a lifetime benefit and that having an existing VA mortgage does not necessarily prevent a Veteran from using VA financing again. Explain that remaining or restored entitlement may allow a Veteran to purchase another primary residence—and in some circumstances have two VA loans at the same time. Encourage the homeowner to have a VA-experienced mortgage professional review their Certificate of Eligibility before assuming they need to sell their existing home. Do not calculate entitlement or provide individualized mortgage advice. Keep the email under 250 words.

The Takeaway

The VA benefit is not “one and done.”

That's the misconception I want us to eliminate.

If your Veteran client already owns a home with VA financing—or tells you, “I already used my VA loan”—please don't assume conventional financing is their only option.

Let's pull the COE and find out what they've actually earned and what is still available.

As a Certified Veteran Lending Specialist, I'm always happy to review the entitlement, run the numbers and help you and your Veteran client understand the options.

Have a wonderful weekend!

Karen Card
The Card Team
Sr. Loan Officer | NMLS #235218
American Pacific Mortgage Corporation

Helping Veterans, Self-Employed Borrowers, First-Time Buyers, Seniors, Families in Transition and Homeowners Navigate Today's Mortgage Market.