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

Is your home insurance about to jump 29%? If you're on the California FAIR Plan, it might 🏡The state's insurer of last r...
10/15/2026

Is your home insurance about to jump 29%? If you're on the California FAIR Plan, it might 🏡

The state's insurer of last resort approved an average 29.1% rate increase that took effect October 15 for new and renewing policies. Not every home will see the same change. Some will see more and some will see less, depending on location and risk.

🏘️ More homes rely on it
668,600 California home policies were on the FAIR Plan at the end of 2025, up 44% since fall 2024.

💸 Everyone's paying more
Even if you're not on the FAIR Plan, average California home insurance premiums are up 84% since 2020 (Stanford, June 2026).

🔑 It's showing up in home loans
1 in 17 new California home loans now relies on FAIR Plan coverage.

If you're buying, get insurance quotes early. It's now a real part of what a home costs each month, and surprises late in escrow are the worst kind.

For insurance questions, talk to your insurance agent. For questions about how it fits into your loan, send me a message.

NMLS #225908 | Equal Housing Lender

10/08/2026

The best conversations don't fit into 60 seconds 🎙️

That's why I started G Money Real Talk, a podcast for buyers, homeowners, and investors who want the full story on mortgages and real estate.

🎧 Who's on it
Guests from across the industry, like insurance agents and non-QM experts. It's not just lenders talking about programs and guidelines.

💡 Why it's different
Longer, real conversations that go deeper than a Reel can, so you understand how things actually work before you make a move.

📍 Where to listen
Spotify, Apple Podcasts, and YouTube. Search "G-Money Real Talk".

🎙️ New here? Start with my conversation with Eric Olson of Angel Oak on non-QM lending.

Have a topic or a guest you'd like to hear? Send me a message.

Greg Abrams | Branch Manager
American Pacific Mortgage | NMLS #225908

10/06/2026

Your mortgage is fixed, so why did your payment go up? 🤔

Usually it's your escrow account, not your loan.

🔒 What stays the same
The principal and interest on a fixed mortgage stay the same, apart from the final payment.

🏠 What can change
Your property taxes and homeowners insurance. These are collected in your monthly payment and paid on your behalf, so when either one goes up, your payment goes up with it.

📈 Why it happens
Insurance premiums and property taxes have been climbing, and your escrow account has to keep up with them.

📋 What you can do
Read your insurance renewal every year and compare it to last year's. Do the same with your property tax bill, and watch for supplemental tax bills too. Catching a jump early gives you time to ask questions or shop coverage before your payment adjusts.

Questions about your payment? Send me a message.

Greg Abrams | Branch Manager
American Pacific Mortgage | NMLS #225908

10/02/2026

Death, taxes, and divorce. None of them end well, but there are solutions for one of them.

🏠 Can you keep the house after a divorce?
Yes, but it's not as simple as taking your ex's name off the title. The title and the loan are two separate things.

⚠️ The mistake people make
If your ex is still obligated on the loan, the lender still wants them on title too. Removing someone from title alone doesn't remove their liability on the mortgage.

📋 What actually works
A court order from your divorce supersedes other arrangements. From there, one spouse can buy out the other through a refinance, not a cash out refinance, since it's court ordered. We just need a copy of that court order.

There are a lot of options here, the key is understanding what you're actually solving for before you make a move.

Going through this? Give us a call, we're here to help with no pressure.

Greg Abrams | Branch Manager
American Pacific Mortgage | NMLS #225908

Six months. Zero pressure. A first time buyer who felt guided every step of the way."Greg was amazing to have on our tea...
10/01/2026

Six months. Zero pressure. A first time buyer who felt guided every step of the way.

"Greg was amazing to have on our team during our (first!) homebuying adventure. He is very thorough, detail oriented, and is happy to give you his time to make sure you understand the ins and outs of the mortgage process. There was zero pressure or confusion to deal with while we worked with Greg for over six months. We felt he had our backs and we could trust him every step of the way."

— Patrick M., Ventura, CA

This is why I do this job. Not just closing a loan, but making sure someone walks away feeling like they actually understood the process.

📩 Wherever you're at in the process, I'd love to help.

Greg Abrams | Branch Manager
American Pacific Mortgage | NMLS #225908

10/01/2026

Market volatility: threat or opportunity? 👇

🌩️ What's happening
We've seen real volatility in the market the past few weeks. Higher interest rates have slowed things down, which means fewer buyers and more negotiating room for the ones still in the game.

🤝 Why that can work in your favor
In a slower market, sellers are often more willing to negotiate on price or offer credits toward closing costs. That can make a real difference for a first-time buyer.

🏠 The long game
Buying now locks in today's price on the home itself, regardless of where the broader market goes next.

This isn't a one-size-fits-all answer, every situation is different, and real estate carries real risk like any investment. If you want to talk through what today's market actually means for your specific numbers, that's what I'm here for.

Send me a message, let's have that conversation.

Greg Abrams | Branch Manager
American Pacific Mortgage | NMLS #225908

"Clear to close" might be the two scariest words in the whole process, but it's actually the finish line, not another hu...
09/25/2026

"Clear to close" might be the two scariest words in the whole process, but it's actually the finish line, not another hurdle.

✅ What's really happening
Underwriting has gone through your income, assets, credit, and the property itself, and signed off on all of it. No more conditions, no more "just send me one more document." Your loan is fully approved.

😅 Why everyone gets nervous
Usually it's just not knowing what's left. Once you're clear to close, what's left is signing day and getting your keys, not another round of stress.

⚠️ One thing worth knowing
Don't make any big financial moves between clear to close and your signing date. New credit cards, large purchases, job changes, all of that can still cause problems even after you've hit this milestone.

Got a mortgage term that stresses you out just hearing it? Drop it below, it might be next Friday's Q&A.

Greg Abrams | Branch Manager
American Pacific Mortgage | NMLS #225908

09/25/2026

Thinking about turning your home into a rental? Ask yourself these 5 things first 👇

🏠 Can the rental income help you qualify for your next home?
Owning a rental means you're obligated to it. Lenders look at how it's claimed on your tax returns when qualifying you for your next purchase or refinance.

📋 Have you talked to your insurance agent and your CPA?
Rental insurance is different, it doesn't cover personal contents, and there's loss of rents to consider too. Your CPA needs to be filing this correctly.

💰 Do you have enough savings for both properties?
Investment properties often require reserves, typically your mortgage payment (with taxes and insurance) multiplied by several months. You don't have to spend it, just show it's there.

📊 Does the rent actually cover the costs?
Do the math on your debt service before you commit. Don't go into it blind.

🔑 Do you actually want to be a landlord?
It can be a great stream of income, but repairs and tenant requests aren't for everyone. A property manager is always an option.

Turning a home into a rental can be a smart move, just go in with your eyes open.

Thinking about it? Send me a message, let's run the numbers together.

Greg Abrams | Branch Manager
American Pacific Mortgage | NMLS #225908

09/22/2026

Love Ventura 2026 is almost here 🧡

Greg's team at American Pacific Mortgage is proud to be the title sponsor again this year. Mark your calendar, October 3rd, right here in Ventura.

📍 What it is
A citywide volunteer day with up to 30 different volunteer opportunities happening at the same time throughout the city, for you and your whole family.

🎉 8:00-9:30 AM: Kickoff Rally
Downtown at California & Main (by the big red heart). DJ, breakfast, coffee, and booths. First 300 people get free Love Ventura swag.

🙌 10:00 AM-1:00 PM: Volunteer
Head to your pre-signed up opportunity, whether that's Ventura Land Trust, the Bike Hub, or something else entirely.

Haven't signed up yet? Head to loveventura.org to see all the projects, each one tells you what to expect and if it's family friendly.

As a title sponsor, every loan APM closes contributes money back to these nonprofits, so participating helps in more ways than one.

We'd love to see you out there. Thank you, and love you all.

09/19/2026

Every year, the FHFA reviews home prices and adjusts conforming loan limits accordingly. Falling within the limit matters, it's what unlocks programs with as little as 3% down for first-time buyers, plus down payment assistance options.

APM is already offering an early $845,000 conforming loan limit for 2027, ahead of FHFA's official announcement expected later this year.

🏠 Why this matters
Higher limits mean more buyers can access conventional financing with lower down payments instead of falling into jumbo loan territory.

📞 We can close on this limit today
No need to wait for the official announcement, give us a call to see what this means for your purchasing power.

Greg Abrams | Branch Manager
American Pacific Mortgage | NMLS #225908

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

Website

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