We have a multitude of innovative programs to serve your unique mortgage needs.

Check out our lineup below to find out how C&S offers more innovative home loan programs for whatever your specialty needs may be. We will help you narrow down the possibilities to select the loan that fits your individual needs.


Specialty Programs

STaR Loan Program

A mortgage program dedicated to saving our selfless teachers, first responders and correctional officers a little money on their home loans. Current full-time employed teachers, police, firefighters, and correctional officers are eligible for our STaR program, which makes the process of obtaining a mortgage a little bit easier.

  • Save up to $795 in reduced Lender Fees for qualified Teachers, First Responders, and Correctional Officers

  • Gift fund options available which can be used for 100 percent of the home purchase down payment

  • Take advantage of lender paid mortgage insurance options to reduce your monthly mortgage expense

  • Gain peace of mind with a one-time interest rate renegotiation option, if rates improve prior to your closing docs being drawn

Borrower Qualifications

  • Teachers: Must hold an appropriate teacher credential and be currently full-time employed in a public/private school

  • Police/Sheriff/CHP: Must be currently employed full time with City, County, or State Law Enforcement

  • Firefighters/First Responders: Must be currently employed full time with the City, County or State

  • Correctional Officers: Must be currently employed full time with City, County, or State Law Enforcement


Keys on Time Guarantee

Welcome to the 20-day Close with your offer backed by the purchasing power of a full loan approval.

Our Keys on Time program will help your purchase offer stand out in a competitive market because we will work with you to get full underwriting loan approval to ensure your loan will close on time, even if you have not yet identified the property. We are 100% committed to owning what it takes to get your loan funded on or before the close of escrow. If your loan does not close on time, we will credit you $895 in closing costs.*

You can combine Keys on Time with our SecureLock program to have the security of a locked in interest rate even prior to making a purchase offer.

  • Over 90% of owner-occupied homes qualify

  • First-time and move-up homebuyers are eligible

  • Single-family, condos, investment, second-homes

**Not available in Oregon. The “Keys on Time” program is a limited guarantee that APMC will provide a credit to the borrower of $895 after the close of escrow 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 APMC’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. The complete loan package must be received in the APMC Fulfillment center a minimum of 20 days prior to the COE date. Exclusions: The limited guarantee does not apply to the HARP program, reverse mortgages, FHA 203k, non-delegated jumbo products or any loans that require prior approval from an investor. The limited guarantee applies to purchase transactions only. All programs are subject to borrower and property qualifications. Rates, terms, and conditions are subject to change without notice.


Secure Lock Program

Lock your rate and secure peace of mind. With our SecureLock program, you can lock in today’s competitive rates while you shop for a home, sell your home, or while your home is under construction. You can also take advantage of a one-time float to market if rates improve prior to signing your loan documents. If rates go up, you are secure!

*To qualify for this program, APM must give full credit approval to all borrowers on the loan. There are specific terms for each lock, based on which variation of the SecureLock program is used. Eligible states include: Alaska, California, Colorado, Hawaii, Idaho, Kansas, Oregon, Texas, and Washington.

Contact us today for full details. 


Bridge Loan Program

Our Bridge Loan programs can help you purchase a new home before your existing home is sold. If a seller is unwilling to consider purchase offers with sales contingencies, we have two programs to choose from:

Close with Confidence Bridge Loan

This loan program is designed for borrowers who are in contract for the sale of their existing property, and want to make an offer on another property without a sales contingency. Under this program, you can take the equity from your current home (that is a pending sale) and use the funds to purchase a new home.

Debt Inclusive Bridge Loan

This loan program is designed for borrowers who want to take equity from their current home that is listed for sale and use the funds to purchase another home. All of the debts for the departing residence including any payments on the bridge loan (if any are required) are factored into the borrower’s total DTI when purchasing the new home.

Close With Confidence

Debt Inclusive

Departing Residence

  • Pending sale
  • Signed listing agreement

Bridge Loan Amount

  • Up to $400K
  • Up to $400K

Loan Term

  • 3 months*
  • 4 months*

Minimum Credit Score

  • 680
  • 680


  • 80%
  • 70%

Max Debt to Income

  • DTI ratios based on max allowed by purchase transaction, but not to exceed 50%
  • Can exclude departing house payments if pending sale requirements are met
  • DTI ratios based on max allowed by purchase transaction, but not to exceed 50%

Peak Loan Program

Our Peak Loan program allows you to buy a home up to $1.5M with only 5% down*. The loan terms can even be extended to 40 years, with the first 10 being interest-only payments.

The Peak 2nd Lien loan program can also be an option for you to access the equity in your current home (up to 95% combined loan to value) and use it toward home improvement, debt consolidation, or as a source of down payment on a second home.

1st Lien Qualifications

  • Loan amounts up to $2.5M

  • 5/1 ARM, 30 year fixed, and 30 or 40 year fixed with 10-year Interest Only options available.*

  • 620 minimum credit score

  • 50% maximum debt to income ration

  • Non-warrantable condos allowed

2nd lien qualifications

  • Loan amounts from $20,000 to $500,000

  • 10, 15, 20, and 30 year fixed terms available

  • Available in 2 different options:

    • Stand alone

    • Second mortgage closing concurrently with a loan (for either a purchase or refinance)


Expanded Access Program

With our Expanded Access program, we have opened the doors to borrowers who need access to financing but don’t “fit” the standard agency or jumbo program guidelines.

The Expanded Access program provides financing options for borrowers that have difficulty documenting their income, or have debt-to-income (DTI) up to 50% (or even 55% on an exception basis).

Expanded Access also provides options to borrowers with a recent credit event such as a short sale/foreclosure or a mortgage late. Expanded Access offers fully amortizing fixed, ARM and interest only ARM options to facilitate financing on primary, second home and investment properties.

  • Loan amounts from $100K-$2M

  • Up to 90% Loan to Value with full documentation

  • Up to 85% LTV with bank statement documentation

  • 620 minimum FICO credit score

  • Recent credit events allowed include mortgage lates, settled housing events, and 12 month seasoning on a bankruptcy

  • 30-year fixed, 5/1, and 7/1 ARMs*

  • Interest only options on 5/1 and 7/1 ARMs*


Investor Advantage

Income Property Financing Just Got Easier

If you are looking to purchase your next investment property, our Investor Advantage loan programs will get the deal done.

Investor Advantage gives you purchasing power in the market today for investment properties. There are two loan programs to choose from to fit your needs:

Investor Advantage

  • Minimum FICO – 640

  • Max LTV- 80%

  • Max Loan Amount- $2M

  • SFR & 1-4 unit properties

  • Non-warrantable Condos allowed (on an exception basis)

  • Income documentation required

Investor Advantage Pro

  • Minimum FICO – 640

  • Max LTV- 75%

  • Max Loan Amount- $2M

  • SFR & 1-4 unit properties

  • Non-warrantable Condos allowed (on an exception basis)

  • No income documentation required. Appraisal and asset documentation required


Asset Inclusion Loan Program

This mortgage program is for borrowers who have high assets, but an unsteady monthly income. With the Asset Inclusion Loan program, borrowers can factor in the assets they have remaining — after their down payment and closing costs — as sources of qualifying income.

  • Eligible for Primary, Secondary, and Investment properties

  • Loan amounts up to $1.5 million

  • Up to 80% loan-to-value

  • 700 minimum FICO score required

  • Not available in Hawaii and Nevada


Dream Home Renovation

If you can dream it, you can make it a reality. With our Dream Home Renovation program, you can buy the property that needs some renovation. Save time and money by financing the purchase with the cost of the repairs included in your mortgage.

  • Create your dream home instead of buying someone else’s

  • The loan amount is based on future assessed value of home

  • Take advantage of properties in great locations that need renovation

  • 640 minimum FICO required

  • 110% loan to value