The Steve Christenson Team at American Pacific Mortgage

The Steve Christenson Team at American Pacific Mortgage Steve Christenson- NMLS #268661
Sr Loan Officer
American Pacific Mortgage NMLS #1850
EHO You need someone who understands the latest requirements and rules.

Steve Christenson
Loan Officer NMLS #268661, American Pacific Mortgage NMLS #1850, Equal Housing Opportunity Licensed in Utah https://www.nmlsconsumeraccess.org
I’ve been a professional in the mortgage industry for over 19 years. Nothing beats helping families find real solutions to their financial and home goals. There is no substitute for experience, especially in the mortgage industry. That’s w

here I can help you understand your options and guide you through what can be a complicated process. When it comes to making one of the biggest financial commitments of your life, I can help you make a smart decision. I will carefully walk you through the process of getting your loan. With 20 years’ of experience, American Pacific Mortgage has a proven track record of success. You can trust our experience because American Pacific Mortgage believes in training and testing its mortgage professionals beyond the national and state standards to ensure you always work with a knowledgeable and friendly expert. I stay on top of the latest mortgage and real estate trends so your mortgage process is seamless. Trust my experience to help you get a great mortgage.

Big News! We're raising our conforming loan limits to $802,650 before the FHFA announcement (even higher in high-cost ar...
09/20/2024

Big News! We're raising our conforming loan limits to $802,650 before the FHFA announcement (even higher in high-cost areas)! Don't waitβ€”reach out now to learn more!

09/13/2024

Rates are on the move - are you ready to jump into the pool when it's time? Contact us today to get everything at-the-ready so you can move quickly!

While most buyers prefer modernized, move-in-ready homes, some bargain hunters are still willing to buy a fixer-upper. A...
07/31/2024

While most buyers prefer modernized, move-in-ready homes, some bargain hunters are still willing to buy a fixer-upper. A new survey of around 1,000 Gen Zers in their 20s found that more than half of them were willing to consider an unmodernized home. However, around 27% of the respondents who had already bought one were rethinking their decisions. Would-be buyers need to keep renovation costs in mind, as well as the home's current functionality. Will they be able to move in after closing, or will they have to wait until after essential plumbing or electrical repairs are completed? If you're involved in the sale of an unmodernized home, here are areas that need a closer look: Roofs: Repairs can incur a significant cost, and earlier leaks may have caused more damage than you'll see during a walk-through. Plumbing: Any pipes installed before 1980 will need special attention, as older materials are more likely to leak. Electricity: Find out when the home's wiring was last updated. Older homes often lack safety features like ground fault circuit interrupters (GFCIs). The electrical panel, aka breaker box, can also provide clues about the home's safety. Walls: If you spot cracks in walls, uneven floors and sticking doors, there could be expensive foundation repairs in the buyer's future. Land: In addition to FEMA flood ratings, look for evidence of flooded basements or erosion. Some types of soil are less stable than others, which means that one heavy rain can cause an expensive, unwanted surprise.

π™Έπš—πšπš•πšŠπšπš’πš˜πš— π™½πšžπš–πš‹πšŽπš›πšœ π™²πš˜πš˜πš• πš’πš— π™Ήπšžπš—πšŽLast week, the CPI saw a 0.1% decline from the previous month, bringing the 12-month rate...
07/30/2024

π™Έπš—πšπš•πšŠπšπš’πš˜πš— π™½πšžπš–πš‹πšŽπš›πšœ π™²πš˜πš˜πš• πš’πš— π™Ήπšžπš—πšŽ
Last week, the CPI saw a 0.1% decline from the previous month, bringing the 12-month rate to 3%β€”the lowest in over three years! This may lead to lower interest rates later this year.
πŸ¦πŸ“‰Highlights:
Core CPI: Up just 0.1% monthly, 3.3% annuallyβ€”the smallest annual increase since April 2021.
Gasoline prices: Down 3.8%, offsetting increases in food and shelter prices.
Shelter inflation: Dropped to a 5.2% annual rate, still above pre-pandemic levels but a significant decrease from early 2023.
Economists are optimistic that the Federal Reserve might announce a rate cut in their September meeting, viewing the higher CPI numbers in early 2024 as just a "bump in the road."
πŸš€πŸ“ŠStay tuned for more updates! πŸ’Όβœ¨

πŸ… The Summer Olympics are back!πŸŽ‰ Get inspired with our latest blog featuring fun and creative ways to celebrate the Game...
07/24/2024

πŸ… The Summer Olympics are back!
πŸŽ‰ Get inspired with our latest blog featuring fun and creative ways to celebrate the Games. From watch parties and themed snacks to hosting your own backyard Olympics, there’s something for everyone. Dive into the Olympic spirit and create lasting memories with friends and family.
Read more: https://brev.is/lKlUw

πŸŽ‰ Happy Pioneer Day! πŸŽ‰Today, we celebrate the incredible spirit and resilience of the pioneers who paved the way for fut...
07/24/2024

πŸŽ‰ Happy Pioneer Day! πŸŽ‰Today, we celebrate the incredible spirit and resilience of the pioneers who paved the way for future generations. Their determination and courage continue to inspire us every day.Let's honor their legacy by embracing new challenges and forging new paths in our own lives. Here's to the pioneers of the past, present, and future!

07/23/2024

Is buying an investment property different from buying a primary residence? The answer is YES. There are many things you’ll want to considerβ€”first and foremost, how to qualify.

We’ve got everything you need to know about financing your first investment property here: https://bit.ly/3Wid6vO

πŸ”§βœ¨ July Home Maintenance Checklist! βœ¨πŸ”§Summer is in full swing, and it's the perfect time to tackle those essential home ...
07/17/2024

πŸ”§βœ¨ July Home Maintenance Checklist! βœ¨πŸ”§Summer is in full swing, and it's the perfect time to tackle those essential home maintenance tasks. 🌞🏑

Excited to be ranked #13 Top VA Mortgage Lender by Scotsman Guide! A big thank you to our veterans, dedicated team, and...
07/16/2024

Excited to be ranked #13 Top VA Mortgage Lender by Scotsman Guide! A big thank you to our veterans, dedicated team, and loyal clients!

Address

27 S Main Street
Layton, UT
84041

Telephone

+18015507656

Website

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