APRVD

APRVD Located in Huntington Beach CA, we are one of California’s largest privately held, non-bank, mortgage lenders & mortgage brokers. Mortgages are all we do!

09/02/2026

He's fine. we talked. He understands now. 🙂


**THIS IS A POTENTIAL SCENARIO FOR INFORMATIONAL PURPOSES ONLY.**
"This is not an offer of credit or a commitment for financing. All rates, terms, programs & guidelines are subject to change and qualifications. Not all borrowers and/ or scenarios will qualify. Not all information shared applies in all States. NMLS 235274 | CalBRE 01860641"

09/01/2026

A lot of homeowners are not just holding onto their house.
They are holding onto their mortgage rate.

According to Realtor.com, almost half of U.S. mortgages still have rates of 4% or lower, and nearly 1 in 5 are below 3%. So when people ask why more sellers are not listing, this is a big part of the answer.

Would you give up a low rate to move?


**THIS IS A POTENTIAL SCENARIO FOR INFORMATIONAL PURPOSES ONLY.**
"This is not an offer of credit or a commitment for financing. All rates, terms, programs & guidelines are subject to change and qualifications. Not all borrowers and/ or scenarios will qualify. Not all information shared applies in all States. NMLS 235274 | CalBRE 01860641"

08/27/2026

When the universe gives you an answer you didn’t want… 😂
Sometimes you already knew what you were choosing. 🏡



**THIS IS A POTENTIAL SCENARIO FOR INFORMATIONAL PURPOSES ONLY.**
"This is not an offer of credit or a commitment for financing. All rates, terms, programs & guidelines are subject to change and qualifications. Not all borrowers and/ or scenarios will qualify. Not all information shared applies in all States. NMLS 235274 | CalBRE 01860641"

08/25/2026

There’s a balance between enjoying your life today and building the life you want tomorrow. Spend on the things that actually matter to you. Save and invest for the things your future self will need.

The goal isn’t to sacrifice everything now or spend without thinking. It’s making decisions with both versions of yourself in mind.


**THIS IS A POTENTIAL SCENARIO FOR INFORMATIONAL PURPOSES ONLY.**
"This is not an offer of credit or a commitment for financing. All rates, terms, programs & guidelines are subject to change and qualifications. Not all borrowers and/ or scenarios will qualify. Not all information shared applies in all States. NMLS 235274 | CalBRE 01860641"

08/24/2026

One credit number people often forget is utilization. That is the percentage of your available credit you are actually using.

According to Experian, people with higher credit scores tend to use a much smaller share of their available credit. So the takeaway is simple: it is not just about having credit. It is about how you use it.


**THIS IS A POTENTIAL SCENARIO FOR INFORMATIONAL PURPOSES ONLY.**
"This is not an offer of credit or a commitment for financing. All rates, terms, programs & guidelines are subject to change and qualifications. Not all borrowers and/ or scenarios will qualify. Not all information shared applies in all States. NMLS 235274 | CalBRE 01860641"

08/21/2026

Your credit score matters, but it’s only one piece of the puzzle. Lenders look at the full financial picture, including your income, monthly debt payments, payment history, down payment, and how everything works together.

So whether your score is great or needs some work, don’t let one number decide what you think is possible. The full picture matters more.



**THIS IS A POTENTIAL SCENARIO FOR INFORMATIONAL PURPOSES ONLY.**
"This is not an offer of credit or a commitment for financing. All rates, terms, programs & guidelines are subject to change and qualifications. Not all borrowers and/ or scenarios will qualify. Not all information shared applies in all States. NMLS 235274 | CalBRE 01860641"

08/19/2026

Buying your first home is about more than finding the right house, it's also about finding the right market. Some cities simply have more homes that first-time buyers can realistically afford, creating more opportunities to get your foot in the door.

The best market isn't always the cheapest one. It's the one that gives you the best chance to get started. 💡


**THIS IS A POTENTIAL SCENARIO FOR INFORMATIONAL PURPOSES ONLY.**
"This is not an offer of credit or a commitment for financing. All rates, terms, programs & guidelines are subject to change and qualifications. Not all borrowers and/ or scenarios will qualify. Not all information shared applies in all States. NMLS 235274 | CalBRE 01860641"

08/17/2026

Same client. Same question. Five different answers. Most lenders are running you through a script. I'm running your numbers.

580 credit. Self-employed. Three lenders deep on rejections. That's not a problem! Reach out and we will run your numbers together!



**THIS IS A POTENTIAL SCENARIO FOR INFORMATIONAL PURPOSES ONLY.**
"This is not an offer of credit or a commitment for financing. All rates, terms, programs & guidelines are subject to change and qualifications. Not all borrowers and/ or scenarios will qualify. Not all information shared applies in all States. NMLS 235274 | CalBRE 01860641"

08/14/2026

Seeing headlines about rising foreclosures can sound alarming, but context matters. Yes, foreclosure filings are increasing. But today's market looks very different than it did in 2008. Many homeowners have built equity, giving them options that didn't exist during the last housing crisis.

The best decisions come from understanding the full picture, not just the headline.


**THIS IS A POTENTIAL SCENARIO FOR INFORMATIONAL PURPOSES ONLY.**

"This is not an offer of credit or a commitment for financing. All rates, terms, programs & guidelines are subject to change and qualifications. Not all borrowers and/ or scenarios will qualify. Not all information shared applies in all States. NMLS 235274 | CalBRE 01860641"

08/13/2026

The math nobody runs: If three lenders said no, that's a them problem. There are programs your bank doesn't tell you about — VA, USDA, down payment assistance, 580 FICO buy-ins — because they don't make money sending you to them. I do.

Stop renting. Start owning.


**THIS IS A POTENTIAL SCENARIO FOR INFORMATIONAL PURPOSES ONLY.**

"This is not an offer of credit or a commitment for financing. All rates, terms, programs & guidelines are subject to change and qualifications. Not all borrowers and/ or scenarios will qualify. Not all information shared applies in all States. NMLS 235274 | CalBRE 01860641"

Address

214 5th Street, Ste 202
Huntington Beach, CA
92648

Opening Hours

Monday 7am - 9pm
Tuesday 7am - 9pm
Wednesday 7am - 9pm
Thursday 7am - 9pm
Friday 7am - 9pm
Saturday 7am - 9pm
Sunday 7am - 9pm

Telephone

+19494783863

Website

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