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Your Local Ignite Mortgage Loan Officer
Adan Pacheco has earned a reputation as a highly productive and trusted loan officer. With over 23 years of experience in the mortgage industry. He specializes in VA funding while also guiding clients through a full spectrum of loan products, always striving to ensure active-duty service members, veterans, and their families find the best solutions for their unique needs.
What truly sets Adan apart is the care and attention he brings to every client relationship. He understands that a home is more than just a place where life’s most important memories are made. Drawing on his years of experience and deep knowledge, he takes pride in making the mortgage process clear, manageable, and even enjoyable, helping families confidently take this major step in their lives.
At the heart of Adan’s life is his family. A devoted husband and proud father of two
incredible children, he brings the same dedication, patience, and warmth to his clients that he cherishes at home. Beyond work, he’s passionate about the outdoors and mentoring the next generation, sharing guidance, encouragement, and a love for learning wherever he can.
Adan
Pacheco
Loan Officer
NMLS# 427331
States Licensed:
VA, MD, DC, FL
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The FED dropped it's benchmark interest rate
What does this mean for you? Mortgage rates typically move in the same direction, although they aren't tied directly to the Fed decision.
If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refinance work for you.
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Get pre-approved for a purchase
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Get pre-approved for a refinance
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Calculate equity for a cash-out refinance
Frequently Asked Questions
How much does it cost to refinance?
Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
How much house can I afford?
To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
What is a good credit score?
A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
What is a HELOC?
A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
How do I calculate mortgage payments?
To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.