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By entering your information and clicking “submit," you agree that American Pacific Mortgage may call/text you about your inquiry, which may involve use of automated means and prerecorded/artificial voices. You do not need to consent as a condition of buying any property, goods or services. Message/data rates may apply.
By entering your information and clicking “submit," you agree that American Pacific Mortgage may call/text you about your inquiry, which may involve use of automated means and prerecorded/artificial voices. You do not need to consent as a condition of buying any property, goods or services. Message/data rates may apply.
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A conventional mortgage is a home loan that falls under the conforming loan limit of $548,250, and can be as high as $822,375 in high cost area, which is set annually by the Federal Housing Finance Agency. The interest rate is fixed and the loan term is typically 15 or 30 years.
Best for: People with down payments or equity
Conventional
Standard fixed-rate mortgages
Multiple jumbo options exist if you need a home loan that exceeds the current conforming limit for higher-priced real estate markets.
Best for: Buyers of higher-priced homes
JUMBO
Loans over the conventional loan limit
FHA loans are backed by the Federal Housing Administration and are designed to help lower-income borrowers buy a home.
Best for: Borrowers who need a little more help qualifying
FHA
Low down payment and lower credit requirements
VA loans are backed by the Department of Veterans Affairs. Veterans, active-duty service members, and surviving spouses with qualifying income and credit can buy a primary residence with favorable terms.
Best for: Military-qualified borrowers
VA
For Veterans and their families
USDA loans are backed or issued by the U.S. Department of Agriculture. Your small-town dreams of rural homeownership can be made possible with a USDA home loan.
Best for: Income-qualified buyers in rural and some suburban areas who want a low or zero down payment
USDA
Loans in rural areas with no down payment required
Specialty loan programs accommodate specific and unique needs, such as self-employed borrowers who have trouble showing their income or property types that are outside the norm.
Best for: Borrowers who have unique qualifying or property needs
Specialty
Out-of-the-box solutions
These products provide you the funding during the construction process and the mortgage loan all wrapped-up in one loan.
Best for: Fixer-uppers, new construction, and large-scale home improvements
Renovation & Construction
For building or renovating your dream home
A reverse mortgage is the opposite of a traditional home loan: instead of making a monthly mortgage payment, the lender pays you. You are still responsible for property taxes, homeowner's insurance, and other related costs. Most are insured by the Federal Housing Administration as Home Equity Conversion Mortgages (HECMs).
Reverse
Loans that pay you over time
To others, it’s just a loan process. To us, it’s an opportunity to show how seamless the home-buying experience can be.
Are you more of an "explore in your PJ's" kind of person? We've got you covered! Explore away with our tools and resources...but know we're here for you whenever you're ready to chat.
The APMobile app streamlines the loan application process for you.
Never miss a beat with real-time updates, educational information, and easy communication tools to ensure the application process runs as smoothly as possible.