Business Details
21 Years
experience
Trusted Mortgage Lenders in Roseville, CA
The JJ Mack Team with American Pacific Mortgage is a trusted name in Roseville, Sacramento, and Loomis, dedicated to helping families achieve homeownership through personalized service and expert guidance. Since 2005, our team has prioritized educating clients on mortgage financing, ensuring transparency and clarity throughout the lending process. As a direct lender, we eliminate delays by leveraging innovative technology and a streamlined approach, offering competitive loan options such as FHA, VA, conventional, and refinancing solutions.Our commitment to customer satisfaction is reflected in our proven track record of timely closings and positive client testimonials, with a focus on building long-term relationships rooted in trust and integrity. With team members across the U.S., we combine local expertise with nationwide resources to deliver a stress-free mortgage experience tailored to each client's unique needs.
Services
Fixed Rate Mortgage
FHA Loans
VA Loans
Jumbo Loans
USDA Loans
Reverse Mortgage
Refinancing
Cash-Out Refinancing
Adjustable Rate Mortgage
Interest Only Loans
Details
- Year established: 2005
Highlights and features
- We offer 17+ years of mortgage industry experience since 2005.
- Our direct-lending model avoids delays from traditional brokers and banks.
- We provide competitive rates and personalized loan solutions for all needs.
- Our team combines local expertise with nationwide reach for seamless service.
- We guarantee timely closings with our Keys on Time program.
What people say
Smooth process
Excellent service
Highly recommend
Knowledgeable team
Timely closings
Services
Fixed Rate Mortgage
A fixed rate mortgage offers consistent interest rates and payments over the loan term, providing financial stability for homeowners. Ideal for those seeking predictable monthly expenses, this loan ensures no rate fluctuations impact payments. Our team helps clients choose between 15- or 30-year terms to align with long-term financial goals.
FHA Loans
FHA loans provide accessible homeownership options with low down payments and flexible credit requirements. Designed for first-time buyers, these loans require as little as 3% down and allow gift funds. We guide clients through FHA guidelines, including mortgage insurance premiums and appraisal processes, to ensure a smooth transaction.
VA Loans
VA loans offer 100% financing and no mortgage insurance for eligible veterans and active-duty personnel. This program supports military members with competitive rates and lenient qualifying criteria. Our specialists assist with certificate of eligibility and streamlined refinancing to maximize benefits for service-related home purchases.
Jumbo Loans
Jumbo loans cater to high-value properties exceeding conforming loan limits, typically above $417,000. These non-conforming loans require strong credit and higher down payments but offer flexibility for luxury or premium properties. We help clients navigate jumbo loan terms, including fixed or adjustable rates, to secure financing for their dream homes.
USDA Loans
USDA loans provide 100% financing for rural and suburban homebuyers with no down payment requirements. Eligibility depends on property location, income, and household size. Our experts verify USDA guidelines to help clients in qualifying areas achieve homeownership with favorable terms and reduced upfront costs.
People
JJ Mack
Branch Manager
JJ Mack has been a mortgage industry leader since 2005, holding multiple credentials including a Bureau of Real Estate License. He specializes in educating clients on mortgage processes and debt management, combining two generations of family expertise to build trust and long-term relationships.
Lisa Fink
Senior Processor
Lisa Fink ensures seamless loan processing with her extensive experience from title companies and loan offices. Her attention to detail and dedication to timely closings make her a vital part of the JJ Mack Team, supporting clients through every step of the mortgage journey.
Lindsay Boris
Loan Partner
Lindsay Boris excels in client communication, maintaining daily contact to ensure all documentation is complete. Her energetic approach and commitment to customer satisfaction have made her a trusted advisor, fostering strong relationships with clients and referral partners.
Emily Knieriem
Loan Officer Assistant
Emily Knieriem supports the team with precision and dedication, managing deadlines and documentation to keep loans on track. Her humble, service-oriented mindset ensures a smooth experience for clients while maintaining a team-first approach to mortgage processing.
Rian Lombardo
Events & Marketing Specialist
Rian Lombardo drives marketing and event coordination, blending creativity with strategic planning. Her background in public relations enhances brand visibility, while her community involvement strengthens local connections, supporting the team's growth and client engagement.
Questions
What types of mortgage loans do you offer?
We offer fixed-rate, FHA, VA, jumbo, USDA, reverse mortgages, and refinancing options tailored to your financial needs.
How can I qualify for an FHA loan?
FHA loans require a minimum 3% down payment, credit scores as low as 640, and allow gift funds for down payments.
Do you offer VA loans for veterans?
Yes, we provide VA loans with 100% financing, no mortgage insurance, and streamlined refinancing for eligible veterans.
What is the Keys on Time closing guarantee?
Our Keys on Time program guarantees timely closings or a $895 credit if we fail to meet deadlines due to our fault.
Can I refinance my current mortgage?
Yes, we offer refinancing options to lower rates, remove mortgage insurance, or access cash through home equity.
What areas do you serve?
We serve California, Oregon, Washington, Alaska, Nevada, Arizona, Texas, Florida, and other states nationwide.
