American Pacific Mortgage

At American Pacific Mortgage, we are committed to providing quality customer service, always putting the people we serve first. With our expertise in the residential lending industry, we are dedicated to helping our clients find the right loan program for their needs. Whether you are looking to purchase a new home, refinance an existing one, or take advantage of specialized loans, we have the tools and resources to guide you through the process.

Our team of professionals is comprised of experienced and knowledgeable mortgage experts who understand the complexities of the lending industry. We take pride in our ability to provide personalized service to each of our clients, ensuring that their unique needs are met and their questions are answered. With our commitment to quality customer service, we strive to make the loan process as smooth and stress-free as possible.

Meet Our Professionals

Our team is led by experienced mortgage professionals who have years of experience in the residential lending industry. Our professionals are dedicated to staying up-to-date on the latest trends and developments in the mortgage market, ensuring that our clients have access to the most current information and options available. With their extensive knowledge and expertise, our professionals are able to provide personalized service to each of our clients, helping them navigate the loan process and find the best loan program for their needs.

Loan Programs

At American Pacific Mortgage, we offer a variety of loan programs to meet the diverse needs of our clients. Whether you are looking to purchase a new home, refinance an existing one, or take advantage of specialized loans, we have the right loan program for you. Our loan programs include:

• Conventional Loans: These loans are not insured or guaranteed by the government and typically offer fixed interest rates and terms ranging from 10 to 30 years.
• FHA Loans: These loans are insured by the Federal Housing Administration and offer more lenient credit score requirements and lower down payments.
• Foreign National Loans: These loans are designed for foreign nationals who are looking to purchase or refinance a property in the United States.
• Non-QM Loans: These loans are designed for borrowers who do not meet the traditional qualifications for a conventional loan.
• Refinance Loans: These loans allow homeowners to replace their existing mortgage with a new loan, potentially saving money on interest rates or reducing monthly payments.
• Reverse Mortgage Loans: These loans allow homeowners to borrow money using the equity in their home as collateral, with no monthly payments required.
• USDA Loans: These loans are guaranteed by the United States Department of Agriculture and offer zero down payment options for borrowers purchasing homes in rural areas.
• VA Loans: These loans are guaranteed by the Department of Veterans Affairs and offer zero down payment options and competitive interest rates for eligible veterans and their families.

Mortgage Calculators

In addition to our loan programs, we also offer a variety of mortgage calculators to help our clients understand their financial options and make informed decisions. Our calculators include:

• Loan Affordability Calculator: This calculator helps determine how much you can afford to spend on a home based on your income, expenses, and other factors.
• Loan Savings Calculator: This calculator helps determine how much you can save by refinancing your existing mortgage.
• Monthly Payment Calculator: This calculator helps determine your monthly payment amount based on the loan amount, interest rate, and term.

Reviews

At American Pacific Mortgage, we are proud of the positive feedback we have received from our clients. Here are just a few of the reviews we have received:

• "I recommend Gayle McCarthy and her staff to anyone who is looking to buy a home and is seeking a loan. They are always professional and extremely helpful!" - Troy Gilley
• "My wife and I worked with Gayle to purchase our first home. She was great at explaining everything to us and even went above and beyond to ensure we could close quickly to ensure we got a cheaper rate! Would highly recommend and look forward to working with her in the future." - Tygan Holtey
• "Gayle is absolutely amazing and ON TOP OF IT! This is our second time using her and we highly recommend her! Everything from getting prequalified to finishing the loan was so easy!" - Michelle Bowers

Get a Quote

If you are interested in learning more about our loan programs or would like to get a quote for a new mortgage, please contact us today. Our team of professionals is here to help you navigate the loan process and find the best loan program for your needs. With our commitment to quality customer service, we look forward to helping you achieve your dreams of homeownership.