Nick Pakulla Mortgage Sales Manager at United Bank

06/12/2026

Whether it’s a place for weekend getaways, family vacations, or seasonal escapes, a second home mortgage can help turn that dream into reality.

Second-home financing differs from investment property financing, and I can help you understand what qualifies, what’s required, and how to prepare financially. If owning a place where you can truly unwind sounds like your next move, let’s explore your options. 🌅

06/02/2026

Thinking about buying or refinancing? With today’s ever-changing real estate market, working with a knowledgeable and local mortgage loan officer matters. Contact me today for expert guidance every step of the way.

05/23/2026

Memorial Day is a reminder that our freedom comes at a great cost. Today, we honor those who never made it home and the families who continue to carry their memory. We are thankful, we remember, and we do not forget their sacrifice.

05/21/2026

United Bank offers mortgage programs designed to support every homebuyer. No matter where you are in your journey and whether you are entering the market for the first time, refinancing, or making your next purchase, I can help you explore the options that may align with your goals.

05/14/2026

Your credit profile is a key part of the mortgage process, and understanding it can put you in a strong position. If you are focusing on financial readiness this year, I can help explain how lenders review your information and how you can prepare with confidence.

05/06/2026

A well-organized approach can make your mortgage experience feel seamless. Getting familiar with common documents such as income statements and tax records is a great first step. I am always here to help you stay prepared and positive throughout the journey.

04/23/2026

Federal Housing Administration joins Fannie and Freddie in implementing VantageScore 4.0 and FICO 10T

In a joint announcement, HUD Secretary Scott Turner and FHFA Director William J. Pulte announced that the Federal Housing Administration and Fannie Mae and Freddie Mac are implementing their first new credit score models for mortgages in decades. This historic move is intended to lower costs for the...

04/18/2026

Younger generations willing to sacrifice fun for homeownership: Survey

Nearly 75% of millennials and Gen Z say they would curtail their discretionary spending habits to transition to homeowner status

04/15/2026

Spring is a season of renewal and fresh beginnings, and many buyers use this time to explore new opportunities in homeownership. If you have questions about getting started, I am happy to provide guidance and help you move forward with clarity and confidence. 🌼

03/26/2026

The average rate for an ARM so far this month is 5.51%, compared with a 6.19% average for a 30-year fixed rate mortgage. The typical homebuyer using an ARM takes on a monthly payment of $2,578, down 7% from last year. Today’s ARM discount is big enough that buyers should talk to their lender about […]
The post Today’s Homebuyers Save $150 a Month By Choosing an Adjustable-Rate Mortgage–The Biggest Discount Since 2022 appeared first on Redfin Real Estate News.

The typical homebuyer using an ARM takes on a monthly payment of $2,578, down 7% from last year.