Mark Tilschner, NMLS #1863689 - Mortgage Loan Advisor

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Everett, WA
Mark Tilschner, NMLS #1863689 - Mortgage Loan Advisor

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Mark Tilschner | NMLS: 1863689
NMLS: 1850
Mortgage Loan Advisor
Licensed in WA, OR, ID, CO or AZ

Mark Tilschner NMLS #1863689 Mortgage Loan Officer American Pacific Mortgage NMLS 1850 https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1850
Equal Housing Opportunity Licensed in AZ BK 0906702, CO Regulated by the Colorado Division of Real Estate ID, OR Licensed under the Oregon Consumer Finance Act & WA

10/27/2026

The Fed announces its rate decision tomorrow morning — 11am our time. Their own September minutes hinted another hike could come before year-end, which is why Fannie Mae and the Mortgage Bankers Association both have the 30-year staying above 7% through all of 2027. One wrinkle: Freddie Mac just printed 7.32% — the first dip since August after seven straight weeks of climbing. Honest question, whether you own or you're trying to buy: in the week before the Fed decides, does that change your answer — lock now and refi later, or wait it out?

10/22/2026

Most homeowners I talk to think tapping their equity means refinancing — and nobody's giving up a 3% rate to do that right now.

Here's what they're missing: a HELOC lets you borrow against your equity WITHOUT touching your first mortgage. Separate line of credit, your low rate stays put.

Renovations, killing high-interest debt, finally doing the project you've been putting off — all without refinancing into the 7s.

Honest question: if you unlocked your equity tomorrow, what's the first thing you'd put it toward?

10/15/2026

Most people assume tapping into home equity means piles of paperwork and a long wait. That's not really the case anymore.

APM's HELOC is 100% online, so you can apply from your couch. It typically comes with a lower rate than a credit card, and since most of the process is digital, approval and funding move faster than people expect.

If you've got equity and want to see your options, let’s talk!
https://myoc.io/

NMLS # 1863689

10/15/2026

Got asked about 2-1 buydowns twice this week, so here's how they actually work.

You get a rate 2% lower in year one, 1% lower in year two, then it settles at the full rate in year three. The cost usually comes from seller or builder concessions -- so it's their money lowering your payment, not yours.

Quick comparison: on a $500k loan, a $15k price cut saves you maybe $100/month forever. That same $15k from the seller spent on a 2-1 buydown can save you several hundred a month in the first two years -- right when money's tightest after moving.

Not right for everyone, but in a market where sellers are already giving concessions, it's worth asking about.

Comment "buydown" and I'll show you the payment math on your loan amount.

10/13/2026

With the 30-year sitting around 7.4% right now, I'm getting a lot more questions about ARMs.

Here's the honest version: a 5/1 or 7/1 ARM can cut your initial rate by a meaningful amount. If you know you're likely to move, refinance, or pay the loan down within that fixed window, it can make real sense.

The catch: if rates don't come down and you stay put, you could face a higher rate when it adjusts. It's a bet on your plans, not just on rates.

If you're on the fence, the question that matters is: how long are you actually planning to keep this loan? That's what I walk through with buyers.

Drop "ARM" in the comments and I'll run the numbers for your situation -- no pitch, just math.

10/13/2026

Finding the right home doesn't happen overnight, and it shouldn't feel like a race against your rate. Lock n' Shop lets you lock in first, then take the time you need to find the home that's right for you. We're happy to walk through how it works.
https://myoc.io/

NMLS # 1863689

10/08/2026

Your equity isn't just a number. It's cash you can put to work, on your terms.
Want to see what yours could do? Let's talk about your options.
https://myoc.io/

NMLS # 1863689

10/08/2026

Quick question for homeowners:

What's the ONE thing you wish someone had told you before you bought your first home?

I'll go first: nobody warned me how fast the little stuff adds up after closing. The lawn mower, the blinds, the "oh great, we need a water heater" fund. 😅

Drop yours in the comments — your answer might save a first-time buyer a real headache.

And if you're thinking about buying, let's talk before you start touring houses. The pre-approval conversation is free, and it beats surprises later.

https://myoc.io/

NMLS # 1863689

10/06/2026

Equity isn’t something you just have—it’s something you use. If it’s just sitting there, it’s not doing its job. Make your equity work as hard as you do.
https://myoc.io/

NMLS # 1863689

10/06/2026

You don't need 20% down to buy a house.

I talk to buyers every week who've been saving for years because someone told them 20% was the magic number. Meanwhile prices keep climbing and the target keeps moving.

Here's the truth: there are solid loan options at 3–5% down, and some buyers qualify for zero down. The 20% thing is mostly about avoiding PMI — not about getting approved.

If you've been sitting on the sidelines waiting to hit 20%, let's run your actual numbers. You might be closer than you think.

https://myoc.io/

NMLS # 1863689

Address

1000 SE Everett Mall Way Suite 305
Everett, WA
98208

Telephone

+14252318417

Website

https://www.apmortgage.com/mark-tilschner

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