Ready for homeownership but Not quite mortgage ready?

We've got you covered!
Explore how to get into homeownership with non-traditional financing
Introducing the Link Loan – you can finally get out of renting and gain the benefits of homeownership today!
Who is the Link Loan program for?

New job, no history

Recent college graduates

Self-employed <2 years

ITIN/DACA applicants

1099 & Gig workers

Student loan burdened

Previous credit challenges

Multi-generational households
Ready to get started?
Here's how it works:
- Apply for a traditional mortgage with us. If you don’t quality, we can match you for a Link Loan
- Find the home you want to buy, make an offer with your real estate agent
- Secure your down payment, a minimum of 3.5% will be required
- APM works through TRIO to link you to a government entity that will complete an FHA loan
- You enter into a seller financing agreement with TRIO
- Just like that, you’re into your new home and begin to personalize and create memories
- After 3-years you can keep your seller financing intact, assume the FHA loan, or sell the property. All equity is yours!
What are the benefits of the Link Loan?
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Get all the privileges of homeownership, including living in and personalizing the home
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May be able to gain the tax benefits from homeownership – seek advice from CPA
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Reap the benefits of all earned equity in the home
Want to learn more?
Download our eBook to learn the ins and outs of our LinkLoan program links homebuyers and home solutions to bring people home.

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.
Someone will be in contact with you shortly.
How is your credit?
Estimating your score will not harm your credit and will help us provide a range of available rates.
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.
Someone will be in contact with you shortly.
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.
Someone will be in contact with you shortly.
Applying with
is a breeze
To begin, you will need to create a secure account.
After you’ve created an account, you will enjoy:
- Secure loan application & document exchange
- Ability to pause and resume where you left off
- Updates on your application
- Capability to e-sign documents
- Easy access to resources
*No refund if you close with another lender, or if the cash option is used.
Cash Buys is a registered Service Mark of American Pacific Mortgage. American Pacific Mortgage is not affiliated with Power Buyer LLC.
Terms and conditions subject to Power Buyer Product Agreement.