Loan Programs

Conventional Home Loan

A popular product for home buyers with good credit and money to put down. American Pacific Mortgage conventional mortgages include: fixed-rate mortgages, adjustable-rate mortgages, and jumbo mortgages. These typically require a 3%-20% down payment.

FHA Home Loan

An excellent choice for first time home buyers. This program offers flexible guidelines that open the home buying market to more borrowers.

VA Home Loan

Military personnel have access to favorable loan terms and typically lower interest rates. American Pacific Mortgage prides itself on helping these men, women and family members achieve the goal of homeownership.

USDA Loans

The United States Department of Agriculture offers a unique mortgage program for low-to-moderate income households seeking a primary residence in a rural setting whom are otherwise ineligible for a traditional loan.


Have you checked interest rates lately? Now is the time for you to weigh the costs and benefits of refinancing your mortgage.


These loans are designed for buyers purchasing a home that is priced higher than the conforming loan limits.


Interested in buying a newly built home? American Pacific Mortgage offers a variety of new construction loans that offer security during the construction period.

Specialty Loan Products

Your situation is unique, shouldn't your loan be too? I know not every home or property purchase falls into the conventional loan category.

203K Renovation Loan

This program is designed for people interested in purchasing a fixer-upper. It allows you to include the costs of repairs and remodeling expenses into a single loan.


A reverse mortgage could be just what you need to supplement your income during retirement. Find out how you can leverage the equity you've been building in your home.

Contact Rebecca Ross