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OUR SERVICES

Loan Programs and Products We Offer

FHA HOME LOAN

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

VA HOME LOAN

The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.

USDA HOME LOAN

If you're looking to buy a home in a rural or suburban area with no down payment and minimal investment, you might consider the USDA Rural Development Loan.

JUMBO LOAN

A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $548,250 in most counties, as determined by the Federal Housing Finance Agency (FHFA). Homes that exceed the local conforming loan limit require a jumbo loan.

REVERSE MORTGAGE

The federal government guarantees HECM reverse mortgages and offers them as an option for homeowners who are 62 years old or

older. With this type of loan, you can take out money from your home without having to pay any monthly mortgage payments-just

interest on what's left!

CONVENTIONAL LOANS

A Conventional loan refers to a mortgage that is not insured or guaranteed by any government agency, such as the FHA, VA, or USDA. Instead, conventional loans are originated and funded by private lenders, including banks, credit unions, and mortgage companies. These loans typically require higher credit scores and down payments compared to government-insured loans.

ABOUT OUR COMPANY

What We Do

We are a full-service mortgage company based in Reno, NV. We specialize in All types of loan products, Conventional, FHA, VA, First Time Homebuyers, and USDA. Whether you are buying a home or refinancing we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.

Programs We Offer

In terms of Purchase Loan programs, we offer the following: FHA, VA, USDA, HomePath, Jumbo, Conventional, and Jumbo.

Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs: FHA Streamline , FHA Cash Out, FHA 203k, VA Streamline, USDA Streamline, Conventional, HELOC and Jumbo. What makes American Pacific Mortgage unique is that we offer the following niche programs as well: Non-QM Loan, Bank Statement, Jumbos.

CONTACT US

Feel free to text or call...

Melissa Kerick

NMLS# 1041350

HEAR FROM OUR AWESOME CLIENTS...

START THE PROCESS TO HOME OWNERSHIP

Fast & Easy Home Purchase Process

STEP 1

COMPLETE QUESTIONNARE

You will be taken to a questionnaire where you will be asked a series of questions that will start you toward your home buying joruney.

STEP 2

REVIEW YOUR HOME BUYING OPTIONS

We will discuss what your home buying desires are and determine the best program that will suite your needs.

STEP 3

PRE-APPROVAL

The pre-approval is an important step toward your home buying process.  It focuses strictly on your basic factors. We will look at your paystubs, W-2's, bank statements, and credit report.  This document tells REALTORS® that you meet the basic requirements for a home loan.

START THE PROCESS TO HOME OWNERSHIP

Fast & Easy Home Purchase Process

STEP 1

COMPLETE QUESTIONNARE

You will be taken to a questionnaire where you will be asked a series of questions that will start you toward your home buying joruney.

STEP 2

REVIEW YOUR HOME BUYING OPTIONS

We will discuss what your home buying desires are and determine the best program that will suite your needs.

STEP 3

PRE-APPROVAL

The pre-approval is an important step toward your home buying process.  It focuses strictly on your basic factors. We will look at your paystubs, W-2's, bank statements, and credit report.  This document tells REALTORS® that you meet the basic requirements for a home loan.

Meet Melissa

I grew up in Melrose, Massachusetts, and attended Melrose High School. My journey into the mortgage industry began when I started working for a local bank after high school. It was there that I discovered my passion for mortgages and decided to further my education. After earning my bachelor's degree in business, I worked for a bankruptcy attorney and obtained my Paralegal Certificate. This role allowed me to support clients through some of the most challenging times, reinforcing my commitment to helping families achieve their dreams of homeownership. The experience taught me the importance of focusing on clients' financial goals to ensure they can afford and sustain their homes.

As a dedicated mortgage advisor, I bring empathy and expertise, guiding families to make informed decisions that align with their financial needs. I understand the emotional journey of buying a home and navigating mortgage financing and am here to support you every step of the way.

Melissa Kerick

Sr. Mortgage Advisor

Meet Melissa

I grew up in Melrose, Massachusetts, and attended Melrose High School. My journey into the mortgage industry began when I started working for a local bank after high school. It was there that I discovered my passion for mortgages and decided to further my education. After earning my bachelor's degree in business, I worked for a bankruptcy attorney and obtained my Paralegal Certificate. This role allowed me to support clients through some of the most challenging times, reinforcing my commitment to helping families achieve their dreams of homeownership. The experience taught me the importance of focusing on clients' financial goals to ensure they can afford and sustain their homes. As a dedicated mortgage advisor, I bring empathy and expertise, guiding families to make informed decisions that align with their financial needs. I understand the emotional journey of buying a home and navigating mortgage financing and am here to support you every step of the way.

Melissa Kerick

Sr. Mortgage Advisor

Call 775-406-0267

1495 Ridgeview Dr Ste 200 Reno, NV 89519

AZ BK 0906702

Licensed by the Department of Financial Protection and Innovation under the CRMLA

www.nmlsconsumeraccess.org | Privacy Policy

Copyright © 2024 | Licensed In: AZ, CA, NV & OH | Company NMLS: 1850 | NMLS # 1041350

Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.

Your Consent & Privacy: By providing your phone or email, you grant consent for Melissa Kerick to contact you, including via automated calls, texts, or pre-recorded messages. This applies even if your number is on a Do-Not-Call list. SMS/MMS may incur charges. You can revoke consent anytime.

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Call 775-406-0267

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Copyright ©2023 | Licensed In: AZ, CA, NV & OH | Company NMLS: 1850 | NMLS # 1041350

Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.

Your Consent & Privacy: By providing your phone or email, you grant consent for Melissa Kerick to contact you, including via automated calls, texts, or pre-recorded messages. This applies even if your number is on a Do-Not-Call list. SMS/MMS may incur charges. You can revoke consent anytime.