What product types does APM offer that help loan officers grow business?

American Pacific Mortgage (APM) offers a broad suite of mortgage products that allows loan officers to serve more borrowers and grow their business. The platform includes conventional loans, FHA and VA financing, delegated jumbo, in house construction lending, renovation loans, reverse mortgages, and a wide range of niche and specialty programs such as DSCR investor loans, bank statement loans, ITIN programs, manufactured home financing, and portfolio solutions. This depth of product choice gives you the tools to compete with banks and brokers, win more purchase and refinance opportunities, and support clients across first time, move up, investment, and retirement stages.

How can branch managers leverage APM’s product platform to scale their teams?

Branch managers at APM can leverage a deep product platform plus dedicated expert support to scale production teams. In addition to conventional, government, jumbo, construction, renovation, and reverse products, branches have access to centralized pricing and capital markets support, product training, and dedicated desks including the Scenarios Desk, Deal Desk, Jumbo Desk, Condo Desk, and Construction and Renovation specialists. This structure allows branch leaders to recruit confidently, train efficiently, and support loan officers in structuring complex loans, so teams can focus on production instead of chasing product availability or guidelines like they might at a bank or broker shop.

What advantages do IMBs gain by aligning with APM for product access?

Independent Mortgage Banks that align with American Pacific Mortgage gain the product reach of a national lender while maintaining their local independence and brand. IMBs tap into APM’s delegated jumbo options, in house construction and renovation lending, reverse mortgage platform, DSCR and investor products, and other specialty programs that can be difficult to build or maintain on their own. They also gain access to expert resources such as the Scenarios Desk, Deal Desk, Jumbo Desk, and Condo Desk, which help structure complex loans and unlock more approvals. This combination allows IMBs to compete effectively with banks and brokers while leveraging APM’s product depth, secondary market execution, and operational support.

How does APM’s product platform support originators working in investment and non-traditional financing?

APM’s product platform is built to support originators who work with investors and clients needing non traditional financing solutions. The company offers DSCR investor loans, fix and flip and renovation products, construction lending, second home and vacation property financing, and specialty programs such as bank statement loans and portfolio options. These products are backed by strong capital markets relationships and desks that focus on complex scenarios, including the Scenarios Desk and Construction and Renovation team. This gives originators the ability to serve real estate investors, self employed borrowers, non conventional income profiles, and niche property types where margins and volume potential can be significant.

What role do technology systems and product operations at APM play in helping originators close more loans efficiently?

APM pairs its product depth with technology and product operations designed to reduce friction in the loan process. Originators have access to real time pricing and scenario tools, margin management functions, pipeline visibility, and integrated workflows that connect the loan origination system with product guidelines and pricing. Dedicated product operations teams and desks support complex scenarios, guideline interpretation, and loan structuring, which helps reduce cycle times and approval delays. The result is a more efficient path from application to closing, so loan officers can spend more time originating and less time troubleshooting systems or searching for answers.

How does APM ensure product access is consistent, compliant, and scalable across its branch and IMB network?

At American Pacific Mortgage, product governance and compliance are built into the platform so branches and IMBs can scale responsibly. Product guidelines, overlays, and eligibility are centrally managed and distributed, supported by training, documentation, and compliance oversight. The operations backbone and capital markets team work together to ensure that products are offered consistently, priced correctly, and disclosed accurately across the network. This centralized structure means loan officers, branch managers, and IMB partners do not have to reinvent product policy or risk inconsistent processes that could create regulatory exposure.

What steps should a loan officer or branch manager take to leverage APM’s product platform once they’ve joined?

Once you join APM, you will work with your branch leadership and the integration team to plug into the product platform quickly. The onboarding process includes product training, access to pricing and scenario tools, introductions to key desks such as the Scenarios Desk, Deal Desk, Jumbo Desk, Condo Desk, and Construction and Renovation team, and alignment of your technology and marketing systems with APM’s offerings. From there, loan officers and branch managers can define their niche, whether that is purchase, refinance, jumbo, investor, construction, or reverse, and use APM’s expert resources to structure deals, solve complex scenarios, and close more loans. This approach gives new producers a clear path to leveraging APM’s product strengths from day one.

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Power Your Pipeline

At American Pacific Mortgage (APM), we know that one size doesn’t fit all when it comes to home financing. That’s why we offer an extensive range of loan products, from conventional, government, and jumbo loans to niche and specialty programs, many of which are exclusive to APM. Our wide product menu empowers you to serve more clients, win more deals, and grow your business.

Download our Loan Playbook for a comprehensive look at everything APM offers and see how our products can help you open more doors.

Down Payment Solutions

APM has access to hundreds of programs that can help buyers in specific geographic areas, in addition to broader programs that support larger areas.

1%Home

Homeownership just got 2% easier! Borrowers can now buy a home with as little as a 1% down payment. They’ll contribute a 1% down payment, and APM will provide a 2% grant (not to exceed $4,500), providing them an automatic 3% equity at closing.

Community Lending

We're dedicated to strengthening the communities we serve by building generational wealth through homeownership. Properties within pre-determined areas will see notable price improvements and may qualify for a Loan Level Price Adjustment waiver.

Home Possible/ HomeReady

Home Possible and HomeReady are conventional programs designed as alternatives to FHA lending. These products may be the right solution for low-income buyers who need low down payments or flexible guidelines.

Construction Lending

Building a home brings a whole new set of decisions, excitement, and frustration. Whether it’s their first new build or not, we can get the financing in place to make your client’s dream home a reality.

Builder Advantage

Partnering with builders opens doors to long-term referral opportunities, but it takes the right knowledge and support to do it well. APM equips loan officers with builder-specific tools, marketing materials, and training to build strong, lasting relationships. Whether it’s working onsite at model homes, supporting builder incentives, or navigating extended rate locks, we help you deliver value at every stage. With the backing of APM’s Builder Division, you can confidently position yourself as a go-to resource for new home communities.

Dream Home Renovation

We have a full suite of renovation lending programs to fit renovation projects large and small, including FHA 203(k) and Freddie Mac CHOICERenovation®.

Commercial Lending

APM’s Commercial Lending Team has combined experience of over 100 years in the industry. Use our talent to get your client’s commercial transaction placed with the best rate and terms. We have a wide scope of approved banks, credit unions, pension funds, and even private money. Our relationships with our commercial AEs go back over 20+ years.

HELOC Loans

Homeowners can keep their first-mortgage loans intact and tap their home equity through APM’s Equity Access Program.

Loans for Foreign Nationals

Non-citizens interested in buying a home in the US can still qualify for a loan. A Foreign National Mortgage can be made without credit or a social security number and can be used as a secondary or investment property.

Personal Loans (Unsecured)

Financing can be made fast and easy with personal loans. And we don’t have to tell you how valuable that is. APM’s trusted source can offer our customers low-interest fixed-rate loans from $5,000 to $100,000 for practically any purpose, including home improvements, auto loans, debt consolidation, you name it.

Expanded Income Loans

Every now and then a client comes along with income that’s difficult to prove, or who needs some expanded criteria to help qualify. APM has loan programs that open the door to borrowers who need access to financing but don’t fit the standard agency or jumbo program guidelines.

Bank Statement Loans

Bank Statement Loans help business owners, the self-employed, gig workers, or retired borrowers get a home loan based on bank statements instead of tax returns.

Expanded Credit Loans

Do you have a borrower that has current or past credit challenges? There are multiple products available that can help, depending on the circumstances, financing needs and other compensating factors.

Investment

Investors have a unique set of needs depending on the type of property being financed, as well as their overall portfolio. APM has programs that cater to everyone from first-time investors to seasoned professionals looking to add to their real estate empire.

DSCR

A Debt Service Coverage Ratio (DSCR) loan can be a powerful tool for expanding your real estate portfolio. Owning real estate can be an excellent investment vehicle with the right financing and management of risk. APM offers its visionary investment program to make your investment goals possible.

DSCR = Gross Rent/Proposed PITIA (ITIA for Interest Only Loans)

APM offers one of the most comprehensive product platforms in the industry, giving loan officers the breadth and flexibility needed to serve more clients in more markets. You’ll have access to conventional, FHA, VA, USDA, delegated jumbo, non-QM, portfolio, DSCR/investor financing, in-house construction lending, renovation loans, reverse mortgages, and specialty programs such as bank statement loans, ITIN, manufactured homes, and more.

Unlike brokers who may face unstable product availability or banks with rigid credit overlays, APM provides the consistency and scale of a national lender with the flexibility of a broker. This product depth expands your market reach and positions you to capture more purchase, refinance, investor, and niche opportunities.
Branch managers benefit from APM’s broad product menu and centralized support structure, allowing their teams to originate confidently without chasing external product solutions. APM provides:
- Delegated jumbo
- In-house construction & renovation lending
- Reverse mortgage experts
- Non-QM and specialty products
- DSCR, investor, and portfolio financing
- Bank-statement, ITIN, and manufactured home programs
In addition, branch leaders and LOs can leverage APM’s Scenario Desk, Deal Desk, Jumbo Desk, Condo Desk, and Construction & Renovation teams for expert guidance on structuring even the most complex loans.

You also retain the flexibility to broker loans for any reason, giving your team a competitive edge and a wider range of solutions. This combination of product access + expert support enables consistent growth and smoother onboarding for new loan officers.
IMBs gain a national lender’s product breadth without losing independence. APM provides competitive access to jumbo, government, renovation, reverse, specialty credit, and investor products, plus a full suite of in-house experts. IMBs also benefit from:
- Advanced product training and support
- Direct access to capital markets and secondary insights
- Deal-structuring experts across multiple product channels
- Ability to recommend new investors or products for review
- Freedom to maintain autonomy while expanding product capabilities
This gives IMBs the stability of a bank, the optionality of a broker, and the scale of a national lender, all in one platform.
APM is a strong partner for originators serving investors and non-traditional buyers. You’ll have access to:
- DSCR investor loans
- Fix-and-flip and renovation financing
- Non-QM and portfolio options
- Bank-statement qualification programs
- Second-home and short-term rental financing
- Delegated jumbo
- Reverse mortgages
- Construction and renovation loans with in-house experts
APM’s specialized desks provide scenario analysis, structuring guidance, and underwriting insight, helping you win more investor and non-traditional clients while reducing cycle times and uncertainty.

APM pairs its product platform with technology and operational systems designed for speed and accuracy, including:
- Real-time pricing and margin tools with Optimal Blue
- Business Intelligence dashboards with DOMO
- Product-specific workflow integrations
- Scenario Desk and Deal Desk for loan structuring
- Construction, renovation, jumbo, and condo specialists
- Consistent underwriting guidance across channels
These systems streamline the loan process, reduce friction, and help you close complex loans more efficiently than traditional bank or broker models.
APM’s centralized product governance and compliance infrastructure ensures that every branch and IMB partner receives consistent, compliant, and scalable product access. We maintain:
- Centralized product management
- Approved investor and guideline oversight
- Regulatory compliance monitoring
- Standardized training and product education
- Operational systems that scale with you
This framework ensures you can confidently offer a wide range of products without taking on compliance risk or reinventing processes as your business grows.
After joining APM, you’ll complete onboarding with your branch leader and our integration team to gain access to APM’s full product ecosystem. You’ll receive:
- Product training and credentialing
- Pricing and margin tool access
- Workflow and system setup
- Guidance on identifying your specialization (purchase, jumbo, investor, renovation, etc.)
From there, loan officers can work directly with APM’s Scenario Desk, Deal Desk, Condo Desk, Jumbo Desk, and Construction & Renovation teams, who help structure deals, resolve complex scenarios, and increase conversion rates.

This expert-backed support gives you a competitive edge from day one.

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