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joel harrison

Mortgage Planning Specialist

Joel Harrison

Mortgage Planning Specialist

NMLS #: 822672
BRE License #: 01059648
Phone: 949-229-7121
Cell: 949-683-8165
Fax: 949-229-7121

About Joel


Joel Harrison has over 30 years of mortgage experience which he leverages to provide comprehensive mortgage plans for each of his clients.


“My approach is to have an informal discussion with my clients to explore both immediate and long-term goals.  I then put together a customized mortgage plan that addresses those goals and presents the options in a detailed but easy to understand format.”

Joel has a BA from UCLA, holds a CA Brokerage license since 1998 and was accredited in 2016 to teach continuing education courses to Real Estate Agents, CPAs and Financial Advisors.

“After my client’s loan is funded, I do not consider my job finished.  I maintain a close watch on interest rates and every year I provide a free Annual Debt Review that evaluates my client’s existing debt financing to determine if interest or tax savings could be obtained, plus we discuss any additional needs such as: home improvements, investment properties, kid’s college, etc.*

Clients have consistently described their experience working with Joel as: “working with a trusted advisor that is highly knowledgeable and always puts my interests first.”

“Providing a client specific mortgage plan, clear communication, combined with a highly knowledgeable team has been our formula for success.  We gauge our success by the strong support we receive from our past clients when they refer us to their family, friends and co-workers.” 

It is easy to get started!

1st - An informal call so that we can discuss your goals…949-229-7121 (direct)
2nd - Complete an application (mobile, online, in-person or by phone)
3rd - Provide the necessary documentation

We take care of the rest!

Branch Address: 24031 El Toro Road, Suite 203, Laguna Hills, CA 92653 

Branch NMLS 1747051

Picture of LH Office

*American Pacific Mortgage Corporation is not financial service company or licensed tax advisors; the material provided is for informational and educational purposes only and should not be construed as investment, tax and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors. We are not financial or tax advisors, please contact your financial professional for your personal financial situation.

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American Pacific Mortgage Programs

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 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 Our Bridge Loan programs can help you purchase a new home before your existing home is sold. Bridge Loan Programs If you are looking to buy a home that exceeds conforming loan limits, we have multiple Jumbo loan programs to choose from. Jumbo Programs Our Peak Loan program allows you to buy a home up to $1.5M with only 5% down. Peak 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 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 Investor Advantage gives you purchasing power in the market today for investment properties. Investor Advantage A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. Asset Inclusion 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 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 A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. STaR Loan Program Financing provided for the purchase and refinancing of manufactured homes. Manufatured Housing