Lock your rate and secure peace of mind. With our SecureLock programs, you can lock in today’s competitive rates while you shop for a home, sell your home, or while your home is under construction. You can also take advantage of a float down option if rates go down prior to signing your loan documents. If rates go up, you are secure!
*To qualify for this program, APM must give full credit approval to all borrowers on the loan. There are specific terms for each lock, based on which variation of the SecureLock program is used. Contact us today for full details.
Welcome to the 20-day Close with 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 where we will work with you to get full underwriting loan approval to ensure your loan will close lightning fast, even if you have not yet identified the property. We are 100% committed to owning what it takes to get your loan funded on or before the close of escrow. If your loan does not close on time, we will credit you $895 in closing costs.*
You can combine Keys on Time with our SecureLock program to have the security of a locked in interest rate even prior to making a purchase offer.
*Not available in Oregon. The “Keys on Time” program is a limited guarantee that APMC will provide a credit to the borrower of $895 after the close of escrow if, due to some fault on the part of APMC, its originators or other APMC staff, a purchase transaction does not close until a date after the originally stated close of escrow date. The “Keys on Time” limited guarantee does not apply if the purchase transaction fails to close on or before the anticipated close of escrow date due to events/circumstances beyond APMC’s control, including but not limited to, delays caused by: an unacceptable or unexpectedly low appraisal value on the subject property, acts or omissions by the escrow or title company, second lien holder approvals, short sale approval, or loan conditions imposed by the lender that, despite reasonable diligence by APMC, are not met by any party in a timely manner. The “Keys on Time” limited guarantee trigger begins when the initial loan package is received by APMC’s Fulfillment center. The complete loan package must be received in the APMC Fulfillment center a minimum of 20 days prior to the COE date. Exclusions: The limited guarantee does not apply to the HARP program, reverse mortgages, FHA 203k, non-delegated jumbo products or any loans that require prior approval from an investor. The limited guarantee applies to purchase transactions only. All programs are subject to borrower and property qualifications. Rates, terms, and conditions are subject to change without notice.￼
This mortgage program is for borrowers who have high assets, but an unsteady monthly income. With the Asset Inclusion Loan program, borrowers can factor in the assets they have remaining — after their down payment and closing costs — as sources of qualifying income.
If you can dream it, you can make it a reality. With our Dream Home Renovation program, you can buy the property that needs some renovation. Save time and money by financing the purchase with the cost of the repairs included in your mortgage.
Qualify for financing in as little as one year after a financial hardship. With our Back in the Game program, you don’t have to sit on the sidelines waiting to recover from a short sale or bankruptcy. We can help you get back in the game with a home loan up to $2M on an owner-occupied property.*
* Qualifying factors 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. Sell one home and buy another with secured financing and a competitive edge. Receive a gift card for discount off of closing costs for your next home purchase.
* Certain restrictions apply. No cash value. Closing cost credit may not be redeemed as cash back. Financing provided by American Pacific Mortgage Corporation.
A mortgage program dedicated to saving our selfless teachers, first responders and correctional officers a little money on their home loans. Current full-time employed teachers, police, firefighters, and correctional officers are eligible for our STaR program, which makes the process of obtaining a mortgage a little bit easier.
Income Property Financing Just Got Easier
If you are looking to purchase your next investment property, our Investor Advantage loan programs will get the deal done.
Investor Advantage gives you the most purchasing power in the market today for investment properties. There are two loan programs to choose from to fit your needs:
Investor Advantage Pro
If you are looking to purchase a home with a low down payment and flexible sources of funds, our Freddie Mac Home Possible AdvantageSM offers the most flexibility for maximum financing:
* Each county limit is published on FHFA's website: www.fhfa.gov. Special statutory provisions establish different loan limit calculations for Alaska, Hawaii, Guam and the U.S. Virigin islands.
As an alternative to the FHA program, Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines. In addition, Home Ready may have reduced mortgage insurance options, including no upfront mortgage insurance fees and may be cancelable per servicer/Fannie Mae guidelines.