blog Archives - National Pacific Lending

How to Improve Your Credit Score and Prepare for Homeownership For most people, buying a home isn’t just about having a place to live—it’s one of the most powerful ways to build long-term wealth. But before you can take that step, your credit score plays a huge role in whether you qualify for a loan,…

When the Federal Reserve hinted back in August that they would likely cut short-term interest rates, many people expected mortgage rates to follow and drop as well. But here’s the twist: long-term mortgage rates had already started improving weeks before the Fed even made its move. Think of It Like Apple Announcing a New iPhone…

Aerial view of a suburban neighborhood with palm trees and mountains in the background. Text overlay reads: "Trending Now: Orange County Real Estate & Mortgage Update."

Orange County continues to be one of the most sought-after—and competitive—housing markets in California. As we move through the second half of 2025, here’s what homebuyers, sellers, and investors need to know. 1. Home Prices Hold Strong The median home value in Orange County is approximately $1.17 million, with values increasing about 2.1% year-over-year. The…

As the 2025 housing market evolves, so do the tools and strategies smart buyers and investors use to gain an edge. From AI-driven mortgage tools to assumable home loans, here are the most-searched mortgage trends right now—and how you can use them to your advantage. 1. Mortgage Rates in 2025: Stability Brings Strategy Mortgage rates…

As global trade tensions heat up, there’s been renewed talk of tariffs—taxes on imported goods that can affect everything from the cost of lumber to the price of cars. But how do tariffs ripple through the economy and impact the housing market and interest rates? And more importantly, what does this mean for today’s homebuyers?…

What happens to your mortgage if your home is destroyed in a wildfire? California homeowners, this is a critical question, especially after the recent LA fires. Here’s what you need to know: ✅ Your mortgage payments don’t stop—even if your home is gone. ✅ Contact your lender for disaster forbearance to pause or reduce payments.…

If you’re a homeowner who’s been waiting for the ideal interest rate to refinance, you’re not alone. Many homeowners hold out, hoping that rates will drop further, allowing them to secure the lowest possible mortgage rate. However, the reality of mortgage rates is more complex than most realize, and waiting too long can sometimes cost…

Consumer inflation continues to moderate, while home prices hit record highs and housing market activity is on the rise, spurred by lower mortgage rates. Here’s a brief overview of key developments: Consumer Inflation Trending Downward In August, the Personal Consumption Expenditures (PCE) report showed headline inflation increased just 0.1% from July. Year-over-year, inflation fell from…

The Federal Reserve Rate Reduction: A Key Opportunity for Buyers If you’ve been hesitant to purchase a home in California, the recent Federal Reserve interest rate reduction offers a key opportunity you don’t want to miss. Historically, reductions in short-term interest rates are closely linked to declines in mortgage rates, and we’ve already seen rates…

If you purchased your home in the last two years, you likely did so at a time when interest rates were higher. With recent changes in the market, now is the perfect time to explore how you can lower your monthly payments and save thousands over the life of your loan. What’s Changing? The Federal…