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We offer the following loan products
FHA Did you know that you can purchase a home through the Federal Housing Administration using gift money from a select group of registered organizations as your down payment? As well as have the seller pay for part or all of your closing costs! This combination allows you to purchase a home with little money out of your pocket. Call Your Federal Way Office of American Pacific Mortgage to find out how. 253-838-4900 VA VA still allows for current members or former members of the armed forced to buy a house with no down payment using their VA certificate of eligibility. In some instances, the VA will waive your funding fee. This could be over 3%. Call your Federal Way Office of American Pacific Mortgage to find out how 253-838-4900
Conventional Under the new stimulous package mortgage lenders are now able to lend above the standard $417,000 loan limits. But did you know that you must show all your income and that you may not have over 45% of your gross income be used for your house payment and all other debts? For all the facts on the new "Stimulous" package give your Federal Way office a call at 253-838-4900 Non-Conforming By definition, a non-conforming loan is a loan that does not meet conforming guidelines. All non-conforming loans have completely different loan criteria and may require additional documentation to support income or assets. Did you know that your house may determine whether or not you are a conforming borrower? The Federal Way office of American Pacific Mortgage has experienced loan officers that can help you navigate through the everchanging mortgage industry. Give us a call at 253-838-4900 Reverse Mortgages American Pacific Mortgage has a designated division just for the booming Reverse Mortgage market. Your Federal Way Office Of American Pacific Mortgage is always learning about how the Federal Housing Administration can help seniors above 62 years old utilize this ever appealing loan. Call Jeff Journey to learn more about how this loan
may or may not be your newest best financial strategy 253-838-4900. Commercial Loans American Pacific mortgage has an entire division exclusively for the Client who has a need for a Commercial loan.
Call your Federal Way Branch to be put in touch with a commerical loan expert. 253-838-4900 Construction Loans From you first home to your last home, your Federal Way office of American Pacific Mortgage can help you find the right loan to fit your unique and personal situation. Since we are a local branch of a national direct lender, we are in the unique position to utilize our strength of numbers to work with the local banks giving you the necessary financial strength to get your "impossible" dream home built. Give us a chance earn your construction business by calling 253-838-4900 Refinance Mortgages Seems pretty straight forward word in the mortgage industry? Right. Afterall anyone who owns a house can get a refinance. But, did you know that refinancing your home without getting any additional money (called rate and term) is a cheaper loan than getting money out (called cashout)? Did you also know that if you borrow over 80% of your homes' value, you may be charged a higher rate? If you chose to pay taxes and insurance on your own, you may be charged a higher rate also. Suddenly, what you thought was a straight forward idea is not so straight forward. And what you thought would be a quick and easy loan with a super low rate, is now not so appealing. Your Federal Way Branch of American Pacific Mortgage is a NO pressure office where EDUCATION is our number one sales approach. Please call for your free guided tour through the refinance section of the mortgage industry 253-838-4900 Purchase Mortgages Whether you are buying for the first time or last time or as an investor or as a vacation home, your local branch of American Pacific Mortgage has professional who can assist you through the transaction. Please have your real estate agent call us at 253-838-4900 We have many satisfied agents who are only happy to offer their testimony. EQUAL HOUSING LENDER
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