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Branch Manager

Mike West

NMLS #242786

Loan Advisor • Vista Branch

Phone: 760.208.1739
Cell: 206.931.0406
Fax: 888.850.9669
Licensed in CA

About Mike


 

Beginning in 1990 Mike West began his career in the mortgage business after selling Real Estate for 3 years… Interest rates were 10-11%, Operation Desert Storm was beginning in Iraq, and we were entering into the great recession of the 90’s.  Fueled by a refinance boom with rates falling from 11% to 8% we had great success early on. As the years went by I quickly learned that what was needed to be successful was strong alliances with liked minded Realtors, Attorneys, Financial and Tax Professionals, and to have great systems in place to help nurture and build those relationships.

Having successfully navigated stormy times in our industry and economy, the West Loan Team at American Pacific Mortgage has become the company of choice for entrepreneurial real estate professionals who recognize that adaptability and tenacity are central to continued success in today’s industry.

Our #1 job is to take the increasingly regulated and over complicated mortgage process and simplify it so that the customer receives a seamless and smooth experience. While we continue to deliver mortgage’s On Time, Accurately, and with Great Communication, our focus is to create Raving Fans of our customers and to honor our partners for trusting us with their customer(s) and their livelihood.   We have always felt very fortunate to be able to attract wonderful partners and to have great success while also having a lot of fun in our business!

 Branch Address:  380 S. Melrose Drive, Suite 203 Vista, CA 92081

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

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

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