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 Our Products. Your Success.

At American Pacific Mortgage, we have the products you need 
to get the deal done.

Our portfolio of products allow you to satisfy the unique needs of your clients, and we offer a robust platform for placing your loan. Together, we are setting the standard for delivering home ownership.

Loan Advisors with American Pacific Mortgage have flexibility, choice, and support. Choose from a variety of products at competitive pricing to offer your clients, and take advantage of our industry experts - they are here to provide you the support and insight you need to close on time. We are 100% committed to making you look good.

Leverage our in-house underwriting and correspondent lenders for conventional, jumbo or government programs. We sell directly to Fannie Mae, Freddie Mac, and Ginnie Mae. We don’t stop there: our relationships with portfolio lenders will allow you to service unique products and situations.

Loan Advisors with American Pacific Mortgage have the products and pricing they need for continued industry success.

Let’s grow your business together. 

Conforming Options

  • 97% financing available with PMI & condos (first-time buyers only)
  • Direct Lender with Fannie/Freddie, Fixed & ARMS
  • DU Refi Plus and Freddie Mac Open Access programs
  • Purchases on properties owned < 90 days with unlimited increase in sales price with Fannie/Freddie
  • Fannie/Freddie High Balance
  • Freddie Mac Home Possible AdvantageSM
  • Home Ready by Fannie Mae
  • Manufactured Housing allowed
  • All Gift Programs available


  • Ginnie Mae direct lender
  • FHA streamlines options with no overlays available including no income documentation
  • 10 correspondent lenders available
  • FHA High Balance available
  • No minimum trade line requirements
  • Manufactured housing allowed
  • Back to Work Available 


  • IRRRLs available
  • VA Jumbo
  • USDA Pilot Program Available/Streamlined Assist Refinance (as of June 2)

Jumbo Options

  • 9 Correspondent Delegated Lenders Available
  • In-House Delegation to $3M
  • 75% LTV to $3M
  • 85% LTV to $2.0M-No MI
  • 89.90% to $1.5M-No MI
  • 90% LTV to $1M-No MI
  • 80% LTV to $2M · Non-Warrantable Condos Available
  • Foreign National Options available
  • ARM Interest Only Available
  • Up to 50% DTI

Competitive Pricing

Our ultra competitive pricing and A-1 level secondary marketing team has allowed us to capture significant market share. As a mortgage bank, we bank more than 90% of our volume; our multi-channel banking options make this possible. By selling directly to Fannie Mae, Freddie Mac, and Ginnie Mae, we are able to offer the competitive pricing on conforming products in the industry with minimal overlays.