The Josh Vollmer - American Pacific Mortgage Team is your premier mortgage team located in Layton, Utah. We pride ourselves on offering some of the best rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in Utah. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage professionals here can help you take that first step toward a financial solution.
Whether you are a first time home buyer or purchasing your dream home, The Josh Vollmer - American Pacific Mortgage Team will help you find the right financing solutions to meet your needs. We can help you lower your interest rate, lower your monthly payment, or take cash out. The Josh Vollmer - American Pacific Mortgage team is here to help you with all of your mortgage refinancing needs.
A smart buyer is an informed buyer. FHA loans are a popular choice among first time homebuyers given their low down payment requirements and ease of qualification.
Whether you are a first time home buyer or purchasing your dream home, The Josh Vollmer - American Pacific Mortgage Team will help you find the right financing solutions to meet your needs. We can help you lower your interest rate, lower your monthly payment, or take cash out. The Josh Vollmer - American Pacific Mortgage team is here to help you with all of your mortgage refinancing needs.
A smart buyer is an informed buyer. FHA loans are a popular choice among first time homebuyers given their low down payment requirements and ease of qualification.
Services
Are you looking for a smart and resourceful mortgage advisor who always has your interests in mind?
As your personal mortgage advisor, I always play to win.
I'm willing to go to bat for my clients every day so that I help you achieve your goals with products and rates that work for you.
I'm proactive about learning and growing in this industry so that I can keep generating smart solutions for my customers.
My commitment to service stems from a deep concern for people, and intensive training that goes well beyond state and federal requirements.
As your personal mortgage advisor, I always play to win.
I'm willing to go to bat for my clients every day so that I help you achieve your goals with products and rates that work for you.
I'm proactive about learning and growing in this industry so that I can keep generating smart solutions for my customers.
My commitment to service stems from a deep concern for people, and intensive training that goes well beyond state and federal requirements.
One of the first choices a homebuyer will need to make is whether you want a fixed-rate or an adjustable-rate mortgage loan.
The bulk of loans will fit into one of these two categories, however, there is a third option that will allow you to "hybrid" the two.
An adjustable-rate mortgage, (ARM): The interest rate of the mortgage adjusts periodically based on market conditions.
For example, your payment will go up if rates go up and go down if rates go down.
Fixed-rate Mortgage: Unlike an adjustable-rate mortgage the interest rate is set at the time you take out the loan and will not change.
The bulk of loans will fit into one of these two categories, however, there is a third option that will allow you to "hybrid" the two.
An adjustable-rate mortgage, (ARM): The interest rate of the mortgage adjusts periodically based on market conditions.
For example, your payment will go up if rates go up and go down if rates go down.
Fixed-rate Mortgage: Unlike an adjustable-rate mortgage the interest rate is set at the time you take out the loan and will not change.
Refinancing a mortgage is when a borrower gets a better interested rate and loan term.
A borrower can achieve lower monthly payments and if they qualify, use their equity to obtain money that can be spent by the borrower.
There are several pros and cons of refinancing a mortgage and we can help determine if this is right for you.
For more information on refinancing contact us today at (435) 363-5278.
A borrower can achieve lower monthly payments and if they qualify, use their equity to obtain money that can be spent by the borrower.
There are several pros and cons of refinancing a mortgage and we can help determine if this is right for you.
For more information on refinancing contact us today at (435) 363-5278.
Conventional loans are mortgage loans offered by non-government sponsored lenders.
A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac.
It may have either a fixed or adjustable rate.
While many think that a 20% down payment is required for all conventional loans, many lenders now offer low down payment options.
A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac.
It may have either a fixed or adjustable rate.
While many think that a 20% down payment is required for all conventional loans, many lenders now offer low down payment options.
A VA Loan is Designed to offer long-term financing to veterans.
VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration.
The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice.
It is generally easier to qualify for a VA loan than conventional loans.
VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration.
The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice.
It is generally easier to qualify for a VA loan than conventional loans.
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