Loan Programs

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 661-822-5523 .

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


Traditional loan programs that usually require as little as 5% down and offer competitive interest rates. Documentation and fair-to-good credit are necessary.

USDA -No Down Payment

0% 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.

Jumbo Loans

Offers 30 and 15 year fixed rate mortgage and competitive ARM products with full document, alternate documentation and limited documentation. 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, with as little as a 20% down payment.

FHA Mortgage

Backed by the Department of Housing and Urban Development, this mortgage offers the borrower the ability to put as little as 3.5% down payment. Seller can contribute up to 6% of the purchase price to the buyer towards closing costs.

VA Mortgages

Backed by the Veterans Administration and the federal government, it is similar to FHA except that you have to be a qualified Veteran or military person.

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.


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