Whether you are a first-time homebuyer or a seasoned investor, you can trust us to find the loan program
that fits your needs.

PURCHASES – REFINANCES

Conventional – Government – Jumbo – Commercial – Reverse – Mobile Homes – Down Payment Assistance

Government loans are broken down into FHA (Federal Housing Administration) and VA (Veteran’s Administration).

Conventional

Conventional loans offer as low as 3% down, but have stricter credit qualifying guidelines than FHA.  Private mortgage insurance (PMI) is required on all conventional loans with less than 20% down.

Government

FHA

The government insures FHA loans, which allows buyers to purchase a home with low down payments and more lenient credit qualifications than conventional loans.  FHA loans do require an upfront mortgage insurance premium (UFMIP) and monthly mortgage insurance (MMI).

VA

VA loans are guaranteed by the Department of Veteran Affairs.  VA loans are available for a veteran, a veteran and his/her spouse, or a veteran and a co-borrower.  With a small amount of paperwork from the veteran, we can obtain their Certificate of Eligibility

Jumbo

Do you need a loan that doesn’t necessarily conform to county loan limit guidelines?  No problem!   We work with many investors to get you a loan that fits your needs.

Commercial

Investors or businesses looking for a commercial mortgage loan, look no further!  We work with different lenders to assist you in obtaining a commercial loan for your next business venture.

Reverse Mortgages

Reverse mortgages are federally insured mortgages that allow borrowers 62 and older to access the equity from their home, whether they are refinancing or purchasing.  Funds received from a reverse mortgage can be issued as a lump sum, fixed monthly payments, or as a line of credit, and can be used for a wide variety of reasons.  A couple basic requirements include that you live in the property and pay your taxes and homeowner’s insurance.

Some common misconceptions about reverse mortgages:

  1. The lender owns the home

Actually, you retain the title and ownership during the life of the loan and can sell your home at any time.

  1. The home must be free and clear of any existing loans

Many borrowers use the reverse mortgage to pay off an existing mortgage and eliminate monthly mortgage payments.

  1. The borrower is restricted on how to use the loan proceeds

Many borrowers use it to supplement their retirement income, pay off debt, medical expenses, take their dream vacation, or to remodel their home.

SPECIALTY PROGRAMS

Keys on Time

Get a full loan approval before you find your dream home!  This program helps you stand out against other buyers and gives you the advantage of meeting closing deadlines.

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*The “Keys on Time” program is a limited guarantee that APMC will provide a closing cost credit of $795 if, due to some fault on the part of APMC, its originators, or other APMC staff, a purchase transaction does not close until a date after the originally stated close of escrow date.  The “Keys on Time” limited guarantee does not apply if the purchase transaction fails to close on or before the anticipated close of escrow date due to events/circumstances beyond AMPC’s control, including but not limited to, delays caused by: an unacceptable or unexpectedly low appraisal value on the subject property, acts or omissions by the escrow or title company, second lien holder approvals, short sale approval, or loan conditions imposed by the lender that despite reasonable diligence by APMC are not met by any party in a timely manner.  The “Keys on Time” limited guarantee trigger begins when the initial loan package is received by APMC’s Fulfillment Center a minimum of 18 days prior to the close of escrow date.  Exclusions: The limited guarantee does not apply to the HARP program, reverse mortgages, FHA 203K, USDA, non-delegated jumbo products or any loans that require prior approval from an investor.  The limited guarantee applies to purchase transactions only.  Not available in Oregon.

STaR Loan Program

Teachers, Police, and Firefighters do a lot for their communities, so we wanted to do something for them.  The STaR Loan Program is dedicated to serving those individuals by offering a reduction in lender and processing fees.  To qualify, you must be employed full-time and teachers must hold an appropriate credential..

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**All programs are subject to borrower and property qualifications.  Rates, terms, and conditions are subject to change without notice.

Secure Lock

If you are concerned with interest rates rising while you search for your dream home, the Secure Lock program can ease your fears.  Lock and Buy allows you to lock your interest rate while you shop for a home.  Lock and List allows you to lock your interest rate your next home while you are selling your current home.  Lock and Build allows you to lock your interest rate while your home is under construction.

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Seller’s Edge

Stand out from the rest!  With Seller’s Edge, you can offer concessions on your listing to attract more buyers and sell your home faster while you transition into your next home.  Combined with our Secure Lock program, you can lock in the interest rate on your next home purchase before a new property is identified or built and receive a closing cost credit.*

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*Certain restrictions may apply.  No cash value.  Closing cost credit may not redeemed as cash back.

Home Buyers Gift Advantage

Are you looking for a property, but need help with your down payment?  With the Home Buyers Gift Advantage program, you can obtain a conventional loan with 5% down using all gift funds.  Gift funds may be provided by a relative, partner, non-profit group, or employer for the purchase of a primary residence.*

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*Certain gift fund requirements apply.  Program not available in Las Vegas, NV.

Dream Home Renovation

Create your dream home!  Purchase or refinance a home in need of repairs and roll the cost of improvements into the mortgage.

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FHA Fresh Start

If you were a victim of the market collapse, you may be able to get back into homeownership!  FHA Fresh Start allows you to qualify for a new home loan in as little as one year after a financial hardship, such as a short-sale or foreclosure due to job loss or severe reductions in income.

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