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
- Property use
- Investment property
Still to confirm: Borrower type, Credit requirement, Reserves.
Our take: Pros & Cons
What we like
- Foreign National Mortgage is listed without credit or a Social Security number for second homes or investment properties.
- Bank Statement Loans use bank statements instead of tax returns for the listed borrower groups.
- ITIN and DSCR/investor financing are among the listed specialty options.
What to consider
- All loans are subject to underwriting approval; rates, terms, programs and policies may change without notice.
- Certain products may not be available in all states and restrictions may apply.
- No mortgage solicitation activity or loan applications for New York properties can be facilitated through the reviewed site.
AI-generated lender-level assessment based on published information. Not a verified assessment of DSCR; confirm program-specific conditions below.
Additional lender considerations
- No numeric advertised rate appears on the reviewed program page. Ask a loan advisor for complete details.
Newcomer requirements
DSCR
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Income documentation
- DSCR = Gross Rent/Proposed PITIA (ITIA for Interest Only Loans)
- Occupancy
- Investment property
View full lender requirements
- Income documentation
- DSCR = Gross Rent/Proposed PITIA (ITIA for Interest Only Loans)
- Occupancy
- Investment property
- Other conditions
- This material is provided for informational purposes only and is not guaranteed to be accurate or complete. The programs described may not include all available options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. Refinancing may result in higher total finance charges over the life of the loan. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Certain products may not be available in all states and restrictions may apply. Please consult your loan advisor for complete details.
Questions to confirm with the lender (14)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum credit score
- Minimum down payment
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Property restrictions
Requirements last reviewed: Oct 24, 2026 · Official requirements source
Rates and costs
DSCR
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
DSCR
- DSCR = Gross Rent/Proposed PITIA (ITIA for Interest Only Loans)
- 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
American Pacific Mortgage lists conventional, government, jumbo and specialty financing. Its Foreign National Mortgage can be made without credit or a Social Security number for second homes or investment properties. Other listed options include ITIN, bank-statement and DSCR programs; program-specific underwriting and pricing require lender confirmation.
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 24, 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.