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.
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.
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.
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.
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!
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.
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.
In terms of Purchase Loan programs, we offer the following: FHA, VA, USDA, HomePath, Jumbo, Conventional, and Jumbo.
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.
STEP 1
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
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.
STEP 1
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
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.
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.
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.
Call 775-406-0267
AZ BK 0906702
Licensed by the Department of Financial Protection and Innovation under the CRMLA
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Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.
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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.