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Julie Sams

NMLS #109565

Loan Advisor • Gig Harbor Branch

24 years in the business
Phone: 253.606.9582
Fax: 253.276.6463
Licensed in WA 

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Loan Advisor

About Julie


As a loan officer my responsibility is to provide the best client service possible. This means listening to your needs, fears and desires about purchasing a home and understanding your current financial position and future objectives. Using this information and the loan programs here at American Pacific Mortgage, I’m able to calm your concerns by finding the perfect loan to meet your financial goal.

While much information can be learned, experience is the best teacher of knowledge, this is especially true in the mortgage industry. Over the past 24 years as a loan officer, I’ve learned that each home loan, whether a purchase, or a refinance, is as unique as the person who is applying. That means that I work with my team to make the loan process as easy as it can be for you. My integrity and dedication to you comes from my heart. From pre-qualification to funding, you will know exactly where your loan is in the process and we will answer any and all of your questions.

As a loan officer who has lived and worked in Gig Harbor for years, I’ve created lasting professional relationships throughout the industry. This provides you with an expanded network of professionals who will work together to reach your financial and home- owning goals. As a team, we have your best interest at heart.

To get you one step closer to moving in or refinancing your home, give me a call or click the Apply Now or email button above, I look forward to meeting with you!

Branch Address: 5151 Borgen Blvd, Suite 101-C Gig Harbor, WA 98332

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

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Which Mortgage Loan Is Right For Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide which mortgage is right for you.

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

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Let us help you find the home loan to reach your financial goals.

American Pacific Mortgage Programs

Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. A competitive advantage on the home you are listing. With our Seller’s Edge program, attract more buyers and sell your home faster by offering closing cost credits. Your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer will be the most attractive in a competitive market. A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. If you can dream it, you can make it a reality. Finance the purchase of your fixer upper with the cost of repairs included in your mortgage. Qualify for financing in as little as one year after a financial hardship. We can help get you back in the game for a home loan up to $2M on an owner occupied property. Investor Advantage gives you the most purchasing power in the market today for investment properties. A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. Purchase a home with low down payment and flexible sources of funds. Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines.

Home Buyer Blog