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American Pacific Mortgage announces
Re-Launches Its Trademarked Keys on Time™ Program

Roseville, CA — January 12, 2021 — APM has re-launched its trademarked Keys on Time™ program in time for the top buying season, further evidence of the company’s commitment to prioritize purchase business.

The APM Keys on Time™ program is designed to give buyers a competitive edge in an aggressive housing market. The program has been reworked to offer a heftier guarantee that the loan will close on time and has new terms and conditions designed to help borrowers compete.

Even more exciting is that the buyer can assign the payout to either themselves, or the seller – a unique offering for this type of commitment. This allows the buyer to “sweeten the offer” just a bit by offering up the cash to the seller if the loan doesn’t close on time.

Two Versions Available

There are two versions of the Keys on Time™ program, which program is used depends on what point the buyer is at in the process of shopping for a home.

The full version encourages buyers to apply for a home loan before they have picked out a property and utilize APM’s TBD underwriting program in conjunction with Keys on Time™. The full version of Keys on Time™ gives buyers a larger commitment from APM—$2,000 to them or the seller if the loan does not close on time.

The lite version of the program is available if the loan application isn’t submitted or underwritten before an offer on a home is accepted. This version of the program provides a payout of $1,000 to either the buyer or the seller if the loan does not close on time.

Nearly as Good as Cash

An offer made with APM’s Keys on Time™ is nearly as good as cash. Buyers meet with an APM lender, assign the payout to themselves or the seller, shop with the confidence of a full loan approval, and APM takes it from there. Buyers must respond promptly to requests for further documentation to keep the guarantee in place.

View full details and the terms and conditions for the Keys on Time™ program. Program not available in Oregon.

About American Pacific Mortgage

American Pacific Mortgage (APM) was founded in 1996 and is a national retail mortgage lender best known for Creating Experiences That MatterTM for our people and our customers.  Headquartered in Roseville, California, APM is ranked as a top mortgage lender in the U.S. and continues to win multiple awards annually including Top Mortgage Lender, CalHFA’s Lending Heroes, Top Veteran Originators, Most Loved Employer, Diversity Jobs Employer, and Top Places to Work.  The company funds over $22 billion annually, is licensed in 49 states, employs more than 3,500 people, and has over 200 branches across the U.S., many of which operate under their own local DBA name. APM’s rallying cry is to be 100% focused on our originators and branch managers because when they look good, our customers reap the benefits. Their charitable entity, APMCares, is entirely funded and run by employees and supports a diverse array of organizations throughout the country with funds and volunteer hours, as well as assistance for employees who are struggling due to a medical, financial, or bereavement hardship.