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Buying A House?

Request a 15 Minute
Mortgage Consultation

Let's get started

Whether it is your first purchase or your latest investment, your home is waiting. Let us get you to the finish line.
First
time
buyer

Being a first time buyer is exciting but can feel overwhelming. We will guide you through the process as your trusted advisor with full transparency, so you can purchase your first home with confidence.
Moving/
buying a
home

Are you thinking of selling your current home and buying another? When it is time for a new neighborhood, larger home, more land, or retirement we have the perfect purchase program for you.
Second/
vacation
home

You deserve the vacation home you have dreamed of. With our portfolio of loan options, a second home has never been more within your grasp.
An
investment
property

Your opportunity is now. Both first-time and experienced investors can benefit from our considerable loan package options and find the perfect program for their investment needs.

When you are ready to navigate the home
buying process, consider us your co-pilots.

Whether you are dreaming of a chic city apartment, a luxurious townhouse, the ultimate family neighborhood, or a vacation home, American Pacific Mortgage will get you there. We will take you from your initial consultation through a pre-approval process that makes it easy for you to make an offer. Our Keys on Time program* will help you get funded and closed in as little as 18 days.


We are dedicated to getting you to your goal of homeownership. First time buyers, investors, growing families, and couples wanting a second home all have unique questions and needs. Our team of expert advisors are ready to be your home-buying advocate in every situation.

*Certain restrictions apply

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

FIXED
RATE

The peace of mind of a fixed rate and payment is the right choice for most borrowers.

*Please visit our Disclosures page for more details for all loan types

conventional
mortgage

A conventional mortgage is a home loan that falls under the conforming loan limit of $453,100 (which is set annually by the Federal Housing Finance Agency)

fha
mortgage

A mortgage that is insured by the Federal Housing Administration (FHA). FHA loans allow for down payments as low as 3.5%* and lower credit scores than most conventional loans. There are maximum loan amounts that vary by county.

jumbo
loans

Loans for premium real estate areas that exceed the conventional conforming loan limits (ranging between $453,100-$679,650 depending on area)

reverse
mortgage

If you are 62 or older, leverage the equity on your primary residence.

usda
loans

A loan to fund your small town dreams of rural home ownership, with lenient down, income and credit requirements.

va
mortgage

Loans for veterans, servicemembers or surviving spouses. With qualifying income and credit, you can buy a primary residence with no money down at a fantastic rate.

ADJUSTABLE
RATE

When you have short term lending goals, an adjustable rate may be right for you.

*Please visit our Disclosures page for more details for all loan types

conventional
mortgage

A conventional mortgage is a home loan that falls under the conforming loan limit of $453,100 (which is set annually by the Federal Housing Finance Agency)

fha
mortgage

A mortgage that is insured by the Federal Housing Administration (FHA). FHA loans allow for down payments as low as 3.5%* and lower credit scores than most conventional loans. There are maximum loan amounts that vary by county.

interest
only

An interest only mortgage is great if you are interested in the lowest possible monthly payment for an initial period of time.

jumbo
loans

Loans for premium real estate areas that exceed the conventional conforming loan limits (ranging between $453,100-$679,650 depending on area)

reverse
mortgage

If you are 62 or older, leverage the equity on your primary residence.

va
mortgage

Loans for veterans, servicemembers or surviving spouses. With qualifying income and credit, you can buy a primary residence with no money down at a fantastic rate.

American Pacific Mortgage Programs
A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. Asset Inclusion Our Bridge Loan programs can help you purchase a new home before your existing home is sold. Bridge Loan Programs 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 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 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 Purchase a home with low down payment and flexible sources of funds. Home Possible Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines. Home Ready by Fannie Mae Investor Advantage gives you purchasing power in the market today for investment properties. Investor Advantage If you are looking to buy a home that exceeds conforming loan limits, we have multiple Jumbo loan programs to choose from. Jumbo Programs 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 Your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer may stand out in a competitive market. Keys on Time Guarantee Financing provided for the purchase and refinancing of manufactured homes. Manufatured Housing Our Peak Loan program allows you to buy a home up to $1.5M with only 5% down. Peak 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. Secure Lock A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. STaR Loan Program

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.
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