American Pacific Mortgage

American Pacific Mortgage 🏡 Every buyer. Every price point. Fin. Act | EHO American Pacific Mortgage is a direct lender. Licensed by the Financial Protection and Innovation under the CRMLA.

Every loan type.
📍 Ventura, CA | CA, WA, NV, TN, AZ, OR
⚖️ Licensed by the DFPI under the CRMLA
🆔 Greg Abrams NMLS 225908 | Branch 779500 | APM 1850
🛡️ Licensed under the OR Cons. As a mortgage bank we can provide competitive rates to the retail consumer. We also have the capabilities to broker, offering the widest of array of programs available in this ever changing market. We are proud of our ma

ny accomplishments and are looking forward to assisting in your home financing solutions. Licensed under the Oregon Consumer Finance Act. Licensed in CA, OR, WA

The housing market just had its best month of 2026 👇Existing home sales climbed 3.2% in May, the strongest sales pace of...
06/10/2026

The housing market just had its best month of 2026 👇

Existing home sales climbed 3.2% in May, the strongest sales pace of the year, according to the National Association of Realtors.

🏠 Median sale price hit a record $429,300 nationally
📍 Here in Ventura, the median is $863K
📈 First-time buyers jumped to 35% of all sales, up from 30% a year ago
🔑 Inventory sits at 4.5 months of supply, the healthiest level in years

Rates are near their 2026 highs and people are buying anyway. The market isn't waiting for rates to drop.

If a move has been on your mind, this might be the data worth paying attention to. Send me a message and let's talk through what a move looks like for your situation.

06/05/2026

June is the busiest month in real estate. More homes hit the market than any other time of year 👇

But here's what most people don't realize: just because there are more homes doesn't make it easier. More buyers are out shopping at the same time, and the good ones are moving fast.

🏠 For buyers: you'll have more options this month than almost any other, but the best ones still go quickly. Have your approval locked in before you start touring.

🏡 For sellers: you'll get more eyes on your listing than any other month, but you're also competing with more homes. Pricing it right from day one matters more now than any other time of year.

June is the busiest month, not the easiest one.

📩 If you're thinking about making a move this summer, send me a message. Happy to talk through timing and what to expect.

The five years before you retire can be one of the most important windows for your mortgage, and a lot of people don't t...
06/01/2026

The five years before you retire can be one of the most important windows for your mortgage, and a lot of people don't think about it until they're already there.

Refinancing, recasting, setting up a line of credit, or restructuring your loan all get harder once your income shifts from a paycheck to a fixed amount. Lenders qualify you on what you earn, not what your home is worth.

If you're 5 to 10 years out, it may be worth thinking about now.

📩 DM me if you want to talk through what makes sense for your situation. I'm a loan officer, not a financial advisor, but the mortgage piece is often the part people overlook.

To every mom holding it all together, the ones running households, raising kids, building careers, packing lunches, and ...
05/10/2026

To every mom holding it all together, the ones running households, raising kids, building careers, packing lunches, and somehow still showing up for everyone else, today and every day, thank you.

Whether you're a new mom, a grandmother, a mom-figure, or someone missing your mom today, we see you.

Happy Mother's Day from our family to yours. 💐

Most homeowners only know one way to access the money in their house. There are actually three 👇🏠 Cash-out refinance. Re...
05/08/2026

Most homeowners only know one way to access the money in their house. There are actually three 👇

🏠 Cash-out refinance. Replace your existing loan with a bigger one and take the difference in cash. Works best when the math lines up with today's rates.

💰 HELOC. A line of credit secured by your home. You only pay interest on what you actually use, and your current mortgage stays untouched.

🔑 Selling. The most familiar option, but not always the right one if all you really need is access to your equity.

The right answer depends on your rate, your timeline, and what you actually need the money for. Most homeowners end up choosing without ever really seeing the other two options laid out side by side.

📩 If you're sitting on equity and trying to figure out the smartest way to use it, send me a message. Happy to run through all three with you.

05/05/2026

If you've served in the military, this is the loan program I want to look at first.

VA loans are one of my favorites for a reason. The flexibility built into this program is something you don't see anywhere else 👇

🪖 100% financing. No down payment required, even on higher-priced homes in California.

💰 No mortgage insurance. Most loans with less than 20% down require PMI. VA loans don't, ever.

🔁 Reusable benefit. A lot of veterans think they only get to use it once. You can actually use it multiple times, and in some cases hold two VA loans at once.

📋 Generous seller concessions. Sellers can cover up to 4% of the loan amount plus standard closing costs, which is why some VA buyers walk into their first home with almost nothing out of pocket.

A few things to know: there's a one-time VA funding fee (usually rolled into the loan), and eligibility is based on your length of service. Some veterans, including those with service-connected disabilities, are exempt from the funding fee entirely.

📩 If you've served and you're not sure whether you're eligible or what your benefit looks like, send me a message. Happy to walk you through it. Thank you for your service.

If you bought your home five or more years ago, two things have probably happened:🏠 Your home value has gone up, often s...
04/30/2026

If you bought your home five or more years ago, two things have probably happened:

🏠 Your home value has gone up, often significantly
💰 Your loan balance has gone down every month you've made a payment

The gap between those two numbers is your equity. And for a lot of homeowners I work with, that number is bigger than they realize 👇

Some are using it to buy their next home without selling first. Some are using it to pick up a rental property. Some are pulling a chunk out to consolidate higher-interest debt. And some just want to know the number so they can plan ahead.

Whatever the reason, knowing where you stand puts you in a better position to make a move when the right opportunity shows up.

📩 DM me "EQUITY" and I'll run the numbers for you. No pressure, no application, just a straight answer on what your home has built.

For decades, paying rent on time didn't help your credit score one bit. Your landlord got the money, the bureaus got not...
04/28/2026

For decades, paying rent on time didn't help your credit score one bit. Your landlord got the money, the bureaus got nothing.

That just changed.

As of last week, Fannie Mae, Freddie Mac, and the FHA started accepting a new credit model called VantageScore 4.0. The big difference? It counts on-time rent and utility payments 👇

🏠 An estimated 33 million Americans were credit invisible or thin-file under the old model. A lot of them are renters who've been paying perfectly for years.

📋 It's a limited rollout for now. Not every lender is approved yet, so you'll want to ask up front which credit model they pull.

📩 If you've been told no before because of thin credit, it might be worth another look. Send me a message and let's see where you stand now.

04/27/2026

If you're house hunting with a pre-qualification letter, sellers can tell, and it's hurting your offers more than you think.

Here's the difference 👇

1️⃣ Pre-qualification. An informal estimate based on what you tell the lender. Nothing is actually verified.

2️⃣ Pre-approval. Your income, assets, and credit have all been reviewed and verified. This is the one that carries real weight in a competitive offer.

3️⃣ Fully underwritten approval. Your file goes straight to the underwriter before you even find a home. It's about as close as you can get to a final approval before there's an address on the file.

In a multiple-offer situation, sellers don't just look at price. They look at which buyer is least likely to fall apart at closing. The strength of your letter quietly tells them that.

If you're getting ready to make offers, let's make sure you're walking in with the strongest letter in the room. 📩

Everyone knows your credit score matters. What most buyers don't realize is you can have a great score and still get a w...
04/25/2026

Everyone knows your credit score matters. What most buyers don't realize is you can have a great score and still get a worse offer than someone with a lower one, because lenders look at four other numbers right alongside it.

Here's what they are 👇

1️⃣ Debt-to-income ratio. How much of your monthly income goes to debt payments. A new car loan can shift this more than people expect.

2️⃣ Loan-to-value. How much you're borrowing vs. what the home is worth. This decides whether you need mortgage insurance.

3️⃣ Reserves. What's left in the bank after closing. Lenders want to see you'd still be okay a few months in.

4️⃣ Documented income. Not what you make, but what shows on tax returns. For self-employed buyers, these two can look very different.

The good news: all four are movable. With a little planning, you can shift one enough to meaningfully change what you qualify for, often before you ever apply.

Not sure where you stand? Send me a message. 📩

Address

481 N Ventura Avenue
Ventura, CA
93001

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18056678465

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