First-Time Homebuyer Loan Programs

What type of loan are you looking for?

Purchase

Refinance

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.

$143+ Billion

Loans Funded

All Time

465K+

Loans Closed

All Time

300+

Locations Nationwide

4.96 Average

Customer Rating

140,000+ Reviews

Are you currently working with an APM Loan Advisor?

Yes No

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.

$143+ Billion

Loans Funded

All Time

465K+

Loans Closed

All Time

300+

Locations Nationwide

4.96 Average

Customer Rating

140,000+ Reviews

What is the name of the APM Loan Advisor?

$143+ Billion

Loans Funded

All Time

465K+

Loans Closed

All Time

300+

Locations Nationwide

4.96 Average

Customer Rating

140,000+ Reviews

When do you plan to buy?

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.

$143+ Billion

Loans Funded

All Time

465K+

Loans Closed

All Time

300+

Locations Nationwide

4.96 Average

Customer Rating

140,000+ Reviews

Where is the property located?

Not available in New York. This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

$143+ Billion

Loans Funded

All Time

465K+

Loans Closed

All Time

300+

Locations Nationwide

4.96 Average

Customer Rating

140,000+ Reviews

Are you ready to apply?

Yes Want More Information

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.

$143+ Billion

Loans Funded

All Time

465K+

Loans Closed

All Time

300+

Locations Nationwide

4.96 Average

Customer Rating

140,000+ Reviews

Where is the property located?

$143+ Billion

Loans Funded

All Time

465K+

Loans Closed

All Time

300+

Locations Nationwide

4.96 Average

Customer Rating

140,000+ Reviews

What is your current loan balance?

$143+ Billion

Loans Funded

All Time

465K+

Loans Closed

All Time

300+

Locations Nationwide

4.96 Average

Customer Rating

140,000+ Reviews

What is the best way to reach you?

You agree to receive automated Transactional messages.

By giving us your phone number, American Pacific Mortgage has your consent to send you automated calls and texts to service your inquiry. By providing your phone number, you are giving permission to be contacted at that number and may Reply STOP to stop receiving messages or HELP for help. Your consent allows the use of text messages, artificial or prerecorded voice messages and automatic dialing technology for informational and account servicing. You don’t 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 are contacting American Pacific Mortgage and agree that we may email you about your inquiry. You also agree to our Terms of Use and Privacy Policy. You may Unsubscribe at any time by replying to any e-mail from us and change the subject line to “Unsubscribe” or e-mail us at compliance@apmortgage.com to Opt out.

Submit

What is the estimated purchase price?

$143+ Billion

Loans Funded

All Time

465K+

Loans Closed

All Time

300+

Locations Nationwide

4.96 Average

Customer Rating

140,000+ Reviews

What type of refinance interests you?

Consolidate
Debt

Lower
Rate

Cash
out

Shorter
term

Other

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.

$143+ Billion

Loans Funded

All Time

465K+

Loans Closed

All Time

300+

Locations Nationwide

4.96 Average

Customer Rating

140,000+ Reviews

Someone will be in contact with you shortly.

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.

$143+ Billion

Loans Funded

All Time

465K+

Loans Closed

All Time

300+

Locations Nationwide

4.96 Average

Customer Rating

140,000+ Reviews

What is your estimated down payment?

$143+ Billion

Loans Funded

All Time

465K+

Loans Closed

All Time

300+

Locations Nationwide

4.96 Average

Customer Rating

140,000+ Reviews

What is the best way to reach you?

You agree to receive automated Transactional messages.

By giving us your phone number, American Pacific Mortgage has your consent to send you automated calls and texts to service your inquiry. By providing your phone number, you are giving permission to be contacted at that number and may Reply STOP to stop receiving messages or HELP for help. Your consent allows the use of text messages, artificial or prerecorded voice messages and automatic dialing technology for informational and account servicing. You don’t 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 are contacting American Pacific Mortgage and agree that we may email you about your inquiry. You also agree to our Terms of Use and Privacy Policy. You may Unsubscribe at any time by replying to any e-mail from us and change the subject line to “Unsubscribe” or e-mail us at compliance@apmortgage.com to Opt out.

Submit

How is your credit?

Estimating your score will not harm your credit and will help us provide a range of available rates.

Poor
<600

Fair
600 - 669

Good
670 - 739

Excellent
740+

Not Sure

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.

$143+ Billion

Loans Funded

All Time

465K+

Loans Closed

All Time

300+

Locations Nationwide

4.96 Average

Customer Rating

140,000+ Reviews

Someone will be in contact with you shortly.

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.

$143+ Billion

Loans Funded

All Time

465K+

Loans Closed

All Time

300+

Locations Nationwide

4.96 Average

Customer Rating

140,000+ Reviews

What is the best way to reach you?

You agree to receive automated Transactional messages.

By giving us your phone number, American Pacific Mortgage has your consent to send you automated calls and texts to service your inquiry. By providing your phone number, you are giving permission to be contacted at that number and may Reply STOP to stop receiving messages or HELP for help. Your consent allows the use of text messages, artificial or prerecorded voice messages and automatic dialing technology for informational and account servicing. You don’t 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 are contacting American Pacific Mortgage and agree that we may email you about your inquiry. You also agree to our Terms of Use and Privacy Policy. You may Unsubscribe at any time by replying to any e-mail from us and change the subject line to “Unsubscribe” or e-mail us at compliance@apmortgage.com to Opt out.

Submit

Someone will be in contact with you shortly.

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.

$143+ Billion

Loans Funded

All Time

465K+

Loans Closed

All Time

300+

Locations Nationwide

4.96 Average

Customer Rating

140,000+ Reviews

FlipCards_RedditAds_DSCR-01 — A conventional mortgage is a home loan that falls under the conforming loan limit of $726,000, and can be as high as $1,089,300 in high-cost areas. This limit is set annually by the Federal Housing Finance Agency. The interest rate is fixed, and the loan term is typically 15 or 30 years.

• Requires higher credit scores

• Allows slightly smaller down payments

• Has more liberal property standards

• Private mortgage insurance (PMI) required if less than 20% down

**Best for: People with down payments or equity**

Conventional

FlipCards_RedditAds_DSCR-02 — Multiple jumbo options exist if you need a home loan that exceeds the current conforming limit for higher-priced real estate markets.

• Fixed or adjustable rates

• Credit score of 700 or higher often required

• Minimum 10% down often required

**Best for: Buyers of higher-priced homes**

Jumbo

FlipCards_RedditAds_DSCR-03 — FHA loans are backed by the Federal Housing Administration and are designed to help lower-income borrowers buy a home.

• Down payment as low as 3.5%

• Credit score as low as 600

• Mortgage insurance premium payments required

**Best for: Borrowers who need a little more help qualifying**

FHA

FlipCards_RedditAds_DSCR-04 — 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.

• No down payment

• Upfront VA funding fee required

• No mortgage insurance

**Best for: Military-qualified borrowers**

VA

FlipCards_RedditAds_DSCR-05 — 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.

• No down payment required on most properties

• Home improvement loans and grant options

• Income limits and property value caps apply

• Only available in specific areas as specified by the USDA

**Best for: Income-qualified buyers in rural and some suburban areas who want a low or zero down payment**

USDA

FlipCards_RedditAds_DSCR-06 — 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

FlipCards_RedditAds_DSCR-07 — These products provide you with funding during the construction or renovation process, and the mortgage loan can often be wrapped up in one transaction.

**Best for: Fixer-uppers, new construction, and large-scale home improvements**

Construction & Renovation

FlipCards_RedditAds_DSCR-08 — 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).

• Aged 62 or older

• You and/or an eligible spouse live in the home as your primary residence

• You own your home outright or have a high amount of equity available

• The property meets all FHA property standards and flood requirements

**Best for: Individuals 62+ in age who need to use their equity for income**

Reverse

Excellent Service & Ratings!

Fast, friendly, efficient, and willing to spend the time to design creative solutions to help us achieve our goals! They got us what no other agency could in a time when the industry was so impacted customers were being turned away! Definitely recommend them for any financial service they provide!”

Austin & Melissa • California

More Reviews

Ready to become a homeowner?

And APM is here to help guide you through the process.

What type of loan are you looking for?

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters™ for you.

$143+ Billion

Loans Funded

465K+

Loans Closed

300+

Locations Nationwide

4.96 Average

Customer Rating

Are you currently working with an APM Loan Advisor?

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters™ for you.

$143+ Billion

Loans Funded

465K+

Loans Closed

300+

Locations Nationwide

4.96 Average

Customer Rating

What is the name of the APM Loan Advisor?

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters™ for you.

$143+ Billion

Loans Funded

465K+

Loans Closed

300+

Locations Nationwide

4.96 Average

Customer Rating

When do you plan to buy?

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters™ for you.

$143+ Billion

Loans Funded

465K+

Loans Closed

300+

Locations Nationwide

4.96 Average

Customer Rating

Where is the property located?

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters™ for you.

$143+ Billion

Loans Funded

465K+

Loans Closed

300+

Locations Nationwide

4.96 Average

Customer Rating

Are you ready to apply?

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters™ for you.

$143+ Billion

Loans Funded

465K+

Loans Closed

300+

Locations Nationwide

4.96 Average

Customer Rating

Where is the property located?

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters™ for you.

$143+ Billion

Loans Funded

465K+

Loans Closed

300+

Locations Nationwide

4.96 Average

Customer Rating

What is your current loan balance?

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters™ for you.

$143+ Billion

Loans Funded

465K+

Loans Closed

300+

Locations Nationwide

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.

We're proud of the experiences we've delivered, and trilled to work with you to Create an Experience that Matters^™ for you.