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Loan Advisor

Mike Bon

NMLS #119781

Loan Advisor • Everett Branch

10 Years of Industry Expertise
Direct: 425.903.3449
Cell: 253.495.2095
Fax: 425.903.8529 
Licensed in WA

About Mike

 After 10 years of mortgage lending experience, I have seasoned many changes in the real estate industry. In this time I’ve acquired a plethora of mortgage and real estate knowledge, enabling me to tailor my clients into their ideal mortgage. As your Mortgage Advisor, my goal is to take the stress out of buying a home and to ensure that you have an outstanding lending experience. I specialize in conventional, jumbo, FHA/VA and USDA loan programs. When working with first time homebuyers, my educational approach helps make the process easy to understand.

At American Pacific Mortgage, I have access not only to in-house investors, underwriting, and funding but also to an array of wholesale products and pricing giving clients multiple loan options to choose from for their individual needs. This contrasts with a bank or credit union, where only that institution's products will be recommended.

My consultation is Free! I look forward to earning your business and becoming your mortgage lender for life. 

Branch Address: 808 134th Street SW, Ste 205 Everett, WA 9820

What our customers are saying...

"Working with Mike was a great experience. It was a great comfort to feel as though completing my transaction was a shared goal. As a first time homebuyer, I was unsure of what I was getting myself into- by the American Pacific Mortgage team was there to answer all of my questions in a way that was easy for me to understand. Working with Mike was a blessing! Thanks!"

Jessica Cermak

"Mike has worked two different mortgages for me. Financing is stressful . Anyone who has ever been through the process can relate but Mike stays on top of every aspect and goes out of his way to  keep you informed through out the entire process. This may not mean much at first as you would expect this from someone in his position but attempt your financing with any bank and most other brokers and you will find that the industry is lacking this type of quality service.  I'll be keeping Mike in my contacts for a long time too come."

Paul T.

"Mike was great to work with. He was able to answer any and all questions that we had as first time home buyers we weren’t sure what we were getting into. His professionalism really shined through as he was not only able to provide us with 100% financing, but was able to provide additional lender help with our closing costs! While attended to an out of town family emergency he not only kept in contact with us but was able to assist us in early signing and closing of our home. We were able to receive our keys a week ahead of schedule; I will definitely work with Mike again in the future and refer him to anyone in search of a lender! Thanks Mike!"

Jessica Essex

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

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Which Mortgage Loan Suits Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide between various loan options.

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

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Thanking our Servicemembers: Your Guide to a VA Loan

In this guide, you will learn why VA loans are a great option for homeownership for active members and veterans in our armed forces.

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Home Buyer Blog

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

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