Get to Know Us
American Pacific is an independent mortgage advisory firm providing residential mortgage financing for home purchases and refinances, including cash out refinances.
New clients are referred to us by our satisfied clients, real estate industry professionals, legal, financial and tax advisors, and trusted family and friends.
As a broker, we have access to many lenders, enabling us to offer a broad set of services to address our client's specialized needs.
How We Serve
What Makes Us DIfferent
We seek to fully understand your current situation and provide advice and guidance, while focusing on your objective.
It is our responsibility to assist you in setting a clear path toward accomplishing your goals. If there is an opportunity to lower your interest rate or qualify for a larger loan amount, we will tell you how.
We can advise you in resolving credit irregularities and overcoming barriers, whenever possible.
Only once we complete our analysis do we search the market to obtain the best overall terms, considering the many variables that need to be optimized (rate, loan size, property condition, or income documentation challenges, etc.).
We don't charge for this extra service. Our rates and fees are highly competitive. We simply care, and believe in doing the right thing.
Products We Use to Serve
There are many mortgage products in the market we utilize to assist our clients in achieving their objectives. We view these resources as tools in our toolbox as we apply the mortgage solution most appropriate to our client’s outcome.
Conventional Mortgages / Government Loans
Equity loans / HELOCs / Bridge Loans
Private Money / Hard Money Loans
Portfolio Lender Loans
Construction / Rehab Loans
Down Payment Assistance Loans/Grants
Alternative income documentation loans including bank statement and DSCR loans, and non-prime