Aaron Pearsall - APfinity Mortgage

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Aaron Pearsall - APfinity Mortgage Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Aaron Pearsall - APfinity Mortgage, Real Estate, Grand Rapids, MI.

Passionate about helping people achieve their homeownership and financial goals, I take pride in building lasting relationships and delivering an exceptional mortgage experience.

10/26/2026

Think you need 20% down to buy a home? Most first-time buyers don't put that much down. On a conventional loan, 3% or 5% down can be an option. The tradeoff is PMI, private mortgage insurance, a monthly fee that protects the lender and usually applies when you put down less than 20%. The good news is that it isn't forever. Once you build about 20% equity, you can ask your lender to remove it, and it's required to come off automatically at 22%. So the real question isn't whether you can reach 20%. It's whether the monthly payment, PMI included, fits your budget. Save this before you start house hunting, and drop your biggest down payment question in the comments. 🏡



Aaron Pearsall · NMLS #2755496
APfinity Mortgage, LLC · NMLS #2771548
Equal Housing Opportunity

10/23/2026

Think your fixed rate locks your whole payment? Here's the part most first-time buyers miss. A fixed rate only locks principal and interest. The rest of your bill, like property taxes, homeowners insurance, and HOA dues, can still change. Your lender reviews escrow once a year, so a tax or insurance increase can raise your payment even though your rate never moved. If you put less than 20% down, PMI may also be part of the bill, but it can often be removed once you reach the equity threshold. Before you celebrate, ask your lender for a full monthly estimate with escrow included. Save this for your next lender call, and drop your biggest payment question in the comments!



Aaron Pearsall · NMLS #2755496
APfinity Mortgage, LLC · NMLS #2771548
Equal Housing Opportunity

10/22/2026

First-time buyers, that rate in the video? It belongs to someone else's deal. Your payment looks different, and here's how to figure out yours. Start with the price you'd actually pay, then subtract your down payment to get your loan amount. Use the rate you're quoted today, since rates change fast. Don't forget property taxes and homeowners insurance, which vary a lot by county. If you're putting down less than 20 percent, add PMI too. Add it all up and that's your real monthly number. Save this before you start house hunting, and drop your purchase price in the comments if you'd like me to run your numbers.



Aaron Pearsall · NMLS #2755496
APfinity Mortgage, LLC · NMLS #2771548
Equal Housing Opportunity

Rates were a mixed bag today, with the average 30-year fixed sitting at 7.40%.Here's what moved. Mortgage bonds, the inv...
10/21/2026

Rates were a mixed bag today, with the average 30-year fixed sitting at 7.40%.

Here's what moved. Mortgage bonds, the investments that loan rates are tied to, finished the day higher, and when bonds go up, rates tend to ease. Two things helped. A report showed new home construction running at a 1.22 million annual pace, below what was expected, and investors kept moving money into safer government-backed investments. The 10-year Treasury yield slipped to 5.11% from 5.14%.

In everyday terms, it depends on the loan type. The conforming 30-year was 7.28%, down 0.02 from yesterday. FHA was 7.13%, VA was 6.93% and jumbo was 7.46%, each a little higher than yesterday. The 15-year fixed came in at 6.71%. Pending home sales also fell 7.3% in the latest report, a sign that higher payments are slowing the market down.

Questions about your situation? Send me a message.



Aaron Pearsall · NMLS #2755496
APfinity Mortgage, LLC · NMLS #2771548
Equal Housing Opportunity

Planning on buying a house this summer? Let's simplify the conversation and find the right loan for you! Send me a messa...
07/01/2026

Planning on buying a house this summer? Let's simplify the conversation and find the right loan for you! Send me a message to get started.

Real estate agents: This month is homeownership month. Let's partner together to showcase how we can make homeownership ...
06/10/2026

Real estate agents: This month is homeownership month. Let's partner together to showcase how we can make homeownership more attainable for Americans!

Think about it...Millions of homeowners locked in mortgage rates around 2-3%.When rates jumped to 6%+, moving suddenly b...
06/05/2026

Think about it...

Millions of homeowners locked in mortgage rates around 2-3%.

When rates jumped to 6%+, moving suddenly became a lot more expensive.

So people stayed where they were.
Fewer homes were listed.
Inventory got tighter.

That's why the housing shortage wasn't just about a lack of homes—it was also about a lack of homeowners willing to move.

A little perspective.

06/02/2026

Rates Pull Back Slightly. Following last week's relatively strong move to the lowest levels since May 14th, mortgage rates bounced slightly higher to start the news week. The move followed a clear shift in the Iran war news cycle with morning headlines citing Iranian officials saying the peace negotiation were effectively tabled as long... More here - https://www.mortgagenewsdaily.com/markets/mortgage-rates-06012026

03/11/2026

🏡 It’s buying season — and APfinity Mortgage is helping buyers get started. ♾️

For a limited time, APfinity Mortgage is offering an appraisal credit of up to $600 on new purchase loans. It’s one more way we’re helping buyers reduce upfront costs while delivering mortgage lending with infinitely higher standards.

✔ Up to $600 appraisal credit
✔ Competitive rates from multiple lenders
✔ Fast, smooth closings
✔ A team that knows how to get deals to the finish line

Homebuyers: If you’re thinking about purchasing this season, now is the time to get pre-approved.

Realtors: Buying season is here. If you have buyers looking for homes, let’s connect and help them take advantage of this appraisal credit while ensuring a smooth, reliable closing.

📲 Start the conversation today: www.APfinity.com

02/28/2026

APfinity Mortgage is all business… most of the time. ♾️

This weekend, co-founder Aaron Pearsall is carving up the runs at Boyne Mountain Resort — rocking his APfinity hoodie and proudly representing on the mountain. 🏔️

Let’s be honest… if your call comes in mid-run, he’ll probably answer it. 📲❄️

Because whether we’re in the office or on the slopes, we’re always available — and always operating with infinitely higher standards.

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