APRVD

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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!

10/16/2026

Lower your mortgage payment without refinancing? Yes, it’s possible!

A mortgage recast could help you reduce your monthly payment while keeping your existing interest rate and loan payoff date. It’s an option many homeowners don’t know about, especially those sitting on low mortgage rates.


**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"

10/15/2026

Rent is still moving.
According to Zillow, typical U.S. rent was up 2.5% from last year, while typical home values were up 1.3%. That does not mean buying is automatically the right move for everyone, but it does show why renting does not always feel like the cheaper option forever.



**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"

10/13/2026

Adjustable-rate mortgages aren’t automatically a bad thing.
For the right buyer, an ARM can mean a lower initial payment and more flexibility. The key is understanding what happens after the initial fixed period and planning for it.

It’s not just about the payment today. It’s about whether the loan makes sense for your plans tomorrow.


**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"

The down payment gets most of the attention, but it is not the only number that matters at closing. **THIS IS A POTE...
10/08/2026

The down payment gets most of the attention, but it is not the only number that matters at closing.


**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"

10/07/2026

Gas prices are one of those everyday costs that remind you how much location matters. According to LendingTree and AAA, the difference between the highest and lowest state average was $2.45 per gallon.

Some states get a little breathing room at the pump, while others feel every gallon in the budget.


**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"

10/02/2026

The average mortgage balance keeps climbing.
According to Experian, the average U.S. mortgage balance reached $264,162 in 2026, up more than $7,000 from last year.

That does not mean every homeowner owes this amount, but it does show how much higher home prices and financing costs have changed the numbers.



**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"

FHA is a tool, not a label for first-time buyers. **THIS IS A POTENTIAL SCENARIO FOR INFORMATIONAL PURPOSES ONLY.**"...
09/30/2026

FHA is a tool, not a label for first-time buyers.


**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"

09/25/2026

Down payments are starting to come back down. According to Realtor.com, the median U.S. down payment hit $23,400 in Q1 2026, down 19% from last year.

That does not mean buying is easy, but it does show the market is shifting. Buyers may not need to bring as much cash to the table as they did when competition was at its peak.


**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"

09/23/2026

How much house could you afford making $27 an hour? The answer isn’t based on income alone. Your existing debts, taxes, insurance, interest rate, and down payment all help determine what your actual buying power looks like.

In this example, $27/hour works out to a purchase price of around $210,000 with 5% down.

Your number could look very different, but running the numbers is the best way to find out what’s actually possible.


**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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