American Pacific Mortgage, a family-oriented mortgage company located in California's plentiful Central Valley that offers all of the loan types available at large banks. At APM, you get the comfort and support of a small company without all of the rigid standards and extra department approvals undergone at a larger bank.
FHA 30 Year Fixed Mortgage Loans, 5% Conventional Loans, VA Loans, FHA Streamline Refinances, VA Loan Refinances, Adjustable Rate Mortgages, Reverse Mortgages, Jumbo Loans, HARP 2.0 Refinance Loans, Conforming Interest Only Loans, FHA Access Program Loans, Fannie Mae Homepath Loans, Freddie Mac Loans, USDA Loans and more.For more information on different types of loans, check out our list of loan programs we have available.
For more detailed information regarding which type of financing would be great for you, contact a Loan Officer today for a FREE consultation! Fernando walks you step by step through the loan process. He exceeded our expectations going through it all, especially being first time buyers and trying to understand it all.
FHA 30 Year Fixed Mortgage Loans, 5% Conventional Loans, VA Loans, FHA Streamline Refinances, VA Loan Refinances, Adjustable Rate Mortgages, Reverse Mortgages, Jumbo Loans, HARP 2.0 Refinance Loans, Conforming Interest Only Loans, FHA Access Program Loans, Fannie Mae Homepath Loans, Freddie Mac Loans, USDA Loans and more.For more information on different types of loans, check out our list of loan programs we have available.
For more detailed information regarding which type of financing would be great for you, contact a Loan Officer today for a FREE consultation! Fernando walks you step by step through the loan process. He exceeded our expectations going through it all, especially being first time buyers and trying to understand it all.
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Applying for a mortgage can seem like a daunting and scary process.
To help, we've created a checklist of things for you to compile, complete and acknowledge before applying.
Credit history is a recorded file of past and current credit that is utilized to compile a credit score.
A closing cost is a payment required to finalize a home loan and is separate from a down-payment.
An appraisal is an estimate of a property's fair market value and is required by a lender to ensure the loan amount is not more than the property value.
To help, we've created a checklist of things for you to compile, complete and acknowledge before applying.
Credit history is a recorded file of past and current credit that is utilized to compile a credit score.
A closing cost is a payment required to finalize a home loan and is separate from a down-payment.
An appraisal is an estimate of a property's fair market value and is required by a lender to ensure the loan amount is not more than the property value.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice.
We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances.
All examples are hypothetical and are for illustrative purposes.
We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances.
All examples are hypothetical and are for illustrative purposes.
We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions.
Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.
Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.
Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions.
Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.
Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.
The first step in obtaining a loan is to determine how much money you can borrow.
In case of buying a home, you should determine how much home you can afford even before you begin looking.
By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.
Be in a better position when negotiating with the seller (seller knows your loan is already approved).
In case of buying a home, you should determine how much home you can afford even before you begin looking.
By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.
You may also elect to get pre-approved for a loan which requires verification of your income, credit, assets and liabilities.
Be in a better position when negotiating with the seller (seller knows your loan is already approved).
Fernando walks you step by step through the loan process.
He exceeded our expectations going through it all, especially being first time buyers and trying to understand it all.
Any concerns or questions that you have he is more than welcome to address them with you or answer them.
He really is awesome at what he does and i would recommend him to all my family and friends!
Derek was wonderful to work with.
He always responded promptly, he was patient and clear when answering my questions and he made the loan process very easy for me.
He exceeded our expectations going through it all, especially being first time buyers and trying to understand it all.
Any concerns or questions that you have he is more than welcome to address them with you or answer them.
He really is awesome at what he does and i would recommend him to all my family and friends!
Derek was wonderful to work with.
He always responded promptly, he was patient and clear when answering my questions and he made the loan process very easy for me.
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