<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=750730591729193&amp;ev=PageView&amp;noscript=1">
laura_silva.jpg

Loan Advisor

Laura Silva

NMLS #1018381

Loan Advisor • Encinitas CA Branch

2 years in the business 
Phone: 858.518.5491
Cell: 858.518.5491
Fax: 760.452.2565
Licensed in CA

About Laura


Laura has been a licensed, mortgage professional since 2013. Laura has a no-nonsense, sincerity driven approach with all of her clients. Recently, Laura has joined APM Mortgage, a company with more than 20 years in the business of mortgage leading. Laura works one on one with each client, and feels it is extremely important to stay in touch throughout the entire loan process.She provides her clients with an uncommonly high level of personalized service, and the scope of her thinking encompasses more than just the immediate transaction. Her attention to detail, combined with her honesty and integrity makes the home buying or refinancing experience easy.

Laura moved to Carmel Valley 16 years ago with her husband, David, and two daughters. She enjoys walking the beach and spending time with her family and friends. Laura works hard to stay on top of all the new changes, and would strive to make you a customer for life. Let her show you how she can really make a positive impact when it comes to financing your home today.

 Branch Address:  505 Encinitas Blvd, Suite 202 Encinitas, CA 92024

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.

Download Now

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.

Download Now

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.

Download Now

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.

Download Now

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.

Download Now

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.

Download Now

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

American Pacific Mortgage Programs

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. Keys on Time Guarantee With our Expanded Access program, we have opened the doors to borrowers who need access to financing but don’t "fit" the standard agency or jumbo program guidelines. Expanded Access Our Bridge Loan programs can help you purchase a new home before your existing home is sold. Bridge Loan 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. Lock and Buy 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. Lock and List 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. Lock and Build If you are looking to buy a home that exceeds conforming loan limits, we have multiple Jumbo loan programs to choose from. Jumbo Programs A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. STaR Loan Program Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines. Home Ready by Fannie Mae Purchase a home with low down payment and flexible sources of funds. Home Possible If you are looking to finance a home that exceeds conforming loan limits, our High Balance Solutions program may be the ticket you need. High Balance Solutions If you are looking to finance a home that exceeds conforming high balance loan limits, you can split the loan amount between a first and second with our Jumbo Solutions program. Jumbo Solutions A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. Asset Inclusion Investor Advantage gives you the most purchasing power in the market today for investment properties. Investor Advantage 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. Dream Home Renovation Financing provided for the purchase and refinancing of manufactured homes. Manufatured Housing

Home Buyer Blog