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Author Archives: Tim Arrowood

Longer Days, Warmer Weather: Embrace the Spring Glow-Up—Financing Your Outdoor Home Upgrades This Season

Longer Days, Warmer Weather: Embrace the Spring Glow-Up—Financing Your Outdoor Home Upgrades This Season As the winter chill finally recedes from the Blue Ridge Mountains and the days begin to stretch longer, homeowners in Johnson City, TN, and the surrounding Tri-Cities area are feeling that familiar itch. It is the urge to step outside, breathe in …

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Longer Days, Warmer Weather: Refinance Smart This Spring in Johnson City

Longer Days, Warmer Weather: Refinance Smart This Spring in Johnson City As the winter chill finally lifts from the Blue Ridge Mountains and the dogwoods start to bloom across Johnson City, TN, there is a palpable shift in energy. The days are getting longer, the weather is warming up, and for many homeowners in the Tri-Cities …

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VA One-Time Close Construction Loans: Building Your Home in Johnson City, TN

VA One-Time Close Construction Loans: Building Your Home in Johnson City, TN While the VA One-Time Close loan offers significant advantages, veterans must approach it with a clear understanding of the financial mechanics. There is no such thing as free money. One of the most misunderstood “quirks” of this program is how interest is handled …

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FHA One-Time Close Construction Loans: What You Should Know Before You Build

FHA One-Time Close Construction Loans: What You Should Know Before You Build One of the most misunderstood aspects of construction lending is how land functions within the transaction. Understanding this can save you thousands of dollars out of pocket. If You Already Own the Land If you currently own a plot of land in Washington, …

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If You’re Within 50 Miles of These Tennessee & Virginia Cities, You May Have Struck Real Estate Gold

If You’re Within 50 Miles of These Tennessee & Virginia Cities, You May Have Struck Real Estate Gold The synergy between a knowledgeable local lender and a trusted home builder is crucial for a smooth construction process. Because we actively work with manufactured home dealers in Johnson City, Greeneville, Kingsport, Bristol, Norton, Rogersville, and Elizabethton, we …

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equal housing opportunity NMLS CONSUMER ACCESS LINK: NMLS #1850

© 2024 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.

Not available in New York. Licensed as Preferred Rate in AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OK, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in NV. AZ BK 1014819. CA #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 164. Licensed under the Oregon Consumer Finance Act. OK MLO13426.

Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – 555 West Monroe Street, 5th Floor Chicago, IL 60661 | (888) 473-4858

Licensed by the Dept of Financial Protection and Innovation under the CRMLA.

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.” (Source: P.A. 101-657, eff. 3-23-21.)

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV