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Homeowner’s Bill of Rights

  1. As a borrower you have options available to you if you are unable to afford your mortgage payments and wish to avoid foreclosure.  To do so, you must contact American Pacific Mortgage by toll-free phone at 877-317-7336 or in person or by first-class mail to:
    • American Pacific Mortgage Corporate Office
      3000 Lava Ridge Court
      Suite 200
      Roseville, CA 95661
  2. Please be prepared with the following documents:
    • Hardship Letter—describing how your circumstances have changed since your loan was approved
    • Copies of each borrower’s paycheck stubs for the past two months
    • Copies of all bank statements for the past two months
    • A monthly budget outlining all monthly bills and expenses and any  quarterly or annual bills and expenses
    • Upon review additional documentation or credit reports may be required
  3. You may want to contact HUD to find a HUD-­certified housing counseling agency. 
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Creating Experiences That Matter

CONTACT

American Pacific Mortgage
Corporate Office
3000 Lava Ridge Court
Suite 200
Roseville, CA 95661
916.960.1325

All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply. PURSUANT TO THE REQUIREMENTS OF SECTION 157.007 OF THE MORTGAGE BANKER REGISTRATION AND RESIDENTIAL MORTGAGE LOAN ORIGINATOR ACT, CHAPTER 157, TEXAS FINANCE CODE, YOU ARE HEREBY NOTIFIED OF THE FOLLOWING: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE, SIGN AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENTS WEB SITE AT WWW.SML.TEXAS.GOV.

Copyright © 2022 American Pacific Mortgage Corporation.

NMLS #1850

Equal Housing Opportunity