American Pacific Mortgage · Lender
American Pacific Mortgage
Review published mortgage options and requirements, then request a personalized quote from the lender.
Availability: This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. The APM DBA is not in use in Idaho.
At a glance
- Credit requirement
- Requires higher credit scores
Still to confirm: Borrower type, Property use, Reserves.
Our take: Pros & Cons
What we like
- Conventional mortgage option is listed on the official lender website.
- Discuss purchase financing options with an APM loan advisor.
What to consider
- Newcomer eligibility is not confirmed by this listing. Ask the lender to review residency, visa, SSN or ITIN and credit-history requirements for your specific program.
- Obtain a personalized rate, APR, fees and Loan Estimate. No live pricing or approval is promised here.
- Confirm property location, occupancy, documentation, down payment and reserves with the lender.
AI-generated lender-level assessment based on published information. Not a verified assessment of CONVENTIONAL; confirm program-specific conditions below.
Additional lender considerations
- The official website states it cannot facilitate mortgage solicitation or applications for New York properties.
Newcomer requirements
CONVENTIONAL
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Minimum credit score
- Requires higher credit scores
View full lender requirements
- Minimum credit score
- Requires higher credit scores
- Other conditions
- Requires higher credit scores Allows slightly smaller down payments Has more liberal property standards Private mortgage insurance (PMI) required if less than 20% down Best for: People with down payments or equity
Questions to confirm with the lender (15)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum down payment
- Income documentation
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Property restrictions
- Occupancy
Requirements last reviewed: Oct 24, 2026 · Official requirements source
Rates and costs
CONVENTIONAL
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
CONVENTIONAL
Document requirements are not confirmed. Ask the lender for its program-specific checklist.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Conventional home-loan option listed by American Pacific Mortgage. Newcomers can use the official program page to discuss their documents and circumstances with a loan advisor; individual eligibility is not established here.
Legal lender: American Pacific Mortgage Corporation
Lending channel: Direct lending
Provider type: Mortgage company
Lending channels: Direct lending. Origination status: Not stated.
NMLS identifier: 1850
More lender directory information
Direct application information ↗
This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. The APM DBA is not in use in Idaho.
Directory verified: 2026-10-24 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 21, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.