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Mortgage Consultation

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There is a perfect mortgage loan for you.
We will help you find it.


When it is time to make your dream home a reality, or to refinance and lower your monthly payment, there is a loan option to fit your individual goals.

The loan advisors at American Pacific Mortgage can help you choose the ideal mortgage, with the most competitive rates available.

Fixed Rate or Adjustable… Ready to see what the right loan program can do for you? 

Check out some of our most popular loan options below. Click on the program that interests you to find out more.



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.

The Loan Process

1.

Get
Pre-Approved


This is the time to get in the know. A pre-approval will give you an advantage when you find your perfect home. We can tell you what you need to get pre-approved, so you know the exact loan amount you qualify for, what your monthly payment will look like, and how much taxes and insurance will be. With a pre-approval, the loan process will be smoother and your offer will be stronger.

2.

Select Your
Loan Program


Fixed rate? Adjustable? FHA? There are multiple loan options that may fit your unique needs, and we can help you choose. Are you looking for the consistent rates and payments that a fixed rate loan can provide? Do you want the short-term benefits of lower rates that an adjustable rate loan can bring? Our extensive portfolio of loan options means you have more options available to get just what you need.

3.

Loan
Application


Your application will provide a complete picture to loan investors of your assets, debts and what you are buying. You will need to provide documentation, including a photo I.D., pay stubs, proof of income, tax returns, employment history, and information on all debts, assets, and sources for down payments. Don't worry, we will let you know exactly what is needed for the loan application so you can be fully prepared.

4.

Processing and
Underwriting


Your loan has specific investor guidelines that must be met, and an underwriter will review your documents to be sure that you meet them. While an underwriter reviews your file, an appraisal will be ordered on the home. Additional information may be requested, so don’t panic if you have to turn in more documents. That’s just the underwriter working hard to get your final approval.

5.

Loan
Approval


Before your loan is approved, you will receive pre-approval and a list of closing conditions that need to be met. These conditions can include verification that your employer is current and proof that homeowner’s insurance has been obtained. Once closing conditions have been satisfied, the underwriter issues a clear to close. Congratulations, your loan has been approved!

6.

Close
the Loan


With an approved loan, you are on the home-stretch towards closing. The lender will send closing documents to a title company that draws up paperwork and arranges for signing of documents. Once the documents have been signed and funding conditions have been met, the title is recorded and the process is complete. You are a proud owner of your new home, and the keys are yours!

*Tips for Success

  • It is extremely important that you don’t make any major life changes immediately before or during the loan process.
  • Don’t quit your job, change jobs, or become self employed.
  • Don’t make any large purchases like a vehicle or furniture.
  • Don’t co-sign on any loans for someone else.
  • Don’t spend money that you have set assigned for down payment or closing costs.
  • Don’t make any changes to your credit like opening new cards, spending on cards, or even closing accounts without guidance from a professional.
  • Don’t panic! The loan process can seem daunting, particularly if it is your first time. We will help you understand what is needed and to get you to the finish line.

What Can I Afford?

It doesn’t get easier than this.

Check out our user friendly Home Affordability Calculator to assess your debt-to-income ratio, down payment, loan amount, and mortgage payment all at once. It’s almost like your own personal loan expert at the click of the keyboard.

Use our Mortgage Payment Calculator to quickly and easily see current mortgage rates and determine your monthly payment.