Loan Programs

Please visit our Disclosures page for more details for all loan types

The following is a partial list of programs offered by American Pacific Mortgage with a brief description of the key elements of each. For a complete list of the programs that we offer, please contact us at 928-350-8828.

Renovation Loans

FHA 203K and Conventional HomeStyle program that fills the need for properties in need of repairs and upgrades.


Traditional loan programs that offers low down payment options and offer competitive interest rates. Documentation and fair-to-good credit are necessary.

USDA -No Down Payment

No down payment required and closing costs paid by the borrower, or may be finaced if the property appraises for more than sales price. Seller can contribute up to 6% towards closing costs, as well. Income restrictions apply.

FHA Mortgage

Backed by the Department of Housing and Urban Development, this mortgage offers the borrower the ability to make a low down payment, with flexible qualifying guidelines. Seller can contribute up to 6% of the purchase price to the buyer towards closing costs.

VA Mortgages

No down payment required. Backed by the Veterans Administration and the federal government, you have to be a qualified Veteran. Also has flexible qualifying guidelines.


Offering refinance programs for all loan types, including FHA and VA Streamline, Conventional HARP programs, cash out.

Jumbo Loans

Fixed rate mortgage and competitive ARM products with full document, alternate documentation and limited documentation. A variety of options and terms to meet all borrower needs.

Cash out and No cash out refinance are allowable. Single family detached, Condo's, PUD's and single-family second homes can be financed with no prepayment penalty.

Investor Loans

Used to finance 1-4 family properties that will be for investment.

Reverse Mortgage

A reverse mortgage is a retirement tool that allows for borrowers over 62 years of age to access the equity in their home without a monthly payment.

American Pacific Mortgage

(NMLS# 225960)
Company NMLS# 1850

1965 Commerce Center Circle, Ste A,
Prescott, Arizona 86301
Phone: 928-350-8828
Licensed: CA & AZ

BRE 01063368/ 01215943
AZ Corp BK 0906702
Licensed by the Department of Business Oversight under the CRMLA. NMLS Consumer Access Link

© 2020 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include 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 may apply. Equal Housing Opportunity.

American Pacific Mortgage Corporation, Real Estate Loans, Tehachapi, CA