Home Loan & Mortgage Options
Request a 15 Minute Mortgage Consultation
There is a mortgage loan for you.
We will help you find it.
When it is time to make your dream home a reality, or to refinance and lessen your monthly payment, there is a loan option to fit your individual goals.
The loan advisors at American Pacific Mortgage Everett can help you choose the ideal mortgage, with competitive rates.
Fixed Rate or Adjustable… Ready to see what our loan programs can do for you?
Check out some of our most popular loan options below. Click on the program that interests you to find out more.
Let us help you find the home loan to reach your financial goals.
CONVENTIONAL MORTGAGE
A conventional mortgage is a home loan that falls under the conforming loan limit of $453,100 (which is set annually by the Federal Housing Finance Agency)
FHA MORTGAGE
A mortgage that is insured by the Federal Housing Administration (FHA). FHA loans allow for down payments as low as 3.5%* and lower credit scores than most conventional loans. There are maximum loan amounts that vary by county.
JUMBO LOANS
Loans for premium real estate areas that exceed the conventional conforming loan limits (ranging between $453,100-$679,650 depending on area)
REVERSE MORTGAGE
If you are 62 or older, leverage the equity on your primary residence.
USDA LOANS
A loan to fund your small town dreams of rural home ownership, with lenient down, income and credit requirements.
VA MORTGAGE
Loans for veterans, servicemembers or surviving spouses. With qualifying income and credit, you can buy a primary residence with no money down at a fantastic rate.
American Pacific Mortgage Programs
The Loan Process
1. |
Get Pre-Approved |
This is the time to get in the know. A pre-approval will give you an advantage when you find your perfect home. We can tell you what you need to get pre-approved, so you know the exact loan amount you qualify for, what your monthly payment will look like, and how much taxes and insurance will be. With a pre-approval, the loan process will be smoother and your offer will be stronger.
2. |
Select Your Loan Program |
Fixed rate? Adjustable? FHA? There are multiple loan options that may fit your unique needs, and we can help you choose. Are you looking for the consistent rates and payments that a fixed rate loan can provide? Do you want the short-term benefits of lower rates that an adjustable rate loan can bring? Our extensive portfolio of loan options means you have more options available to get just what you need.
3. |
Loan Application |
Your application will provide a complete picture to loan investors of your assets, debts and what you are buying. You will need to provide documentation, including a photo I.D., pay stubs, proof of income, tax returns, employment history, and information on all debts, assets, and sources for down payments. Don't worry, we will let you know exactly what is needed for the loan application so you can be fully prepared.
4. |
Processing and Underwriting |
Your loan has specific investor guidelines that must be met, and an underwriter will review your documents to be sure that you meet them. While an underwriter reviews your file, an appraisal will be ordered on the home. Additional information may be requested, so don’t panic if you have to turn in more documents. That’s just the underwriter working hard to get your final approval.
6. |
Close the Loan |
With an approved loan, you are on the home-stretch towards closing. The lender will send closing documents to a title company that draws up paperwork and arranges for signing of documents. Once the documents have been signed and funding conditions have been met, the title is recorded and the process is complete. You are a proud owner of your new home, and the keys are yours!
APM NMLS Consumer Access Link: https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1850
Copyright © 2022 American Pacific Mortgage Corporation | Privacy Policy | Contact Us | Legal/Licensing | Accessibility Statement
All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply. Equal Housing Opportunity.
808 134th St SW, Suite B205, Everett WA, 98204 | NMLS: 1062505
Equal Housing Opportunity