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Home Purchase Qualifier Refinance Rate Checker

California-based mortgage company serving home buyers and homeowners in need of reliable mortgage financing

Whether you’re a first time buyer, a seasoned homeowner, refinancing an outstanding loan or consolidating debt, there are mortgage solutions for you. Buying a new home in California is a huge milestone but can also be a source of anxiety and frustration. We offer a wide variety of personalized mortgage solutions including FHA, VA, conventional loans and more.

Our founders have been serving California State, City and County Employees for over 20 years. We offer discounts to members of various associations, public employees and California veterans. Getting the right mortgage loan is no easy task but you can trust us to deliver the great rates, low fees and help you get qualified as quickly as possible.

Refinancing your home has never been easier with our abundant tools and resources at your disposal. We’ll help you explore options and guide you in the choice that’s right for you. With our personal & dedicated attention, you’ll be well on your way to a refinance solution that’s best in line with your vision of the future.

Our home loan brokers provides all the tools you need with the utmost service and integrity you deserve. We understand that purchasing a home or refinancing a loan is a big commitment. That’s why we make a commitment to you.

THE CALIFORNIA HOME PURCHASE LOAN PROCESS

Here’s how our home purchase loan process works:

    • Complete our simple mortgage pre-approval letter request
    • Receive options based on your unique criteria and scenario
    • Compare mortgage interest rates and terms
    • Choose the offer that best fits your needs

FREE Pre-Approval Letter Request

Get Your FREE Pre-Approval Letter Now!

Home Purchase Qualifier

DO I QUALIFY?

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “28/36.”

This means that no more than 28% of your total monthly income (from all sources, before taxes) can go toward housing, and no more than 36% of your monthly income can go toward your total monthly debt (including your mortgage payment).

QUALIFY ME NOW!

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NMLS #121627 | NMLS #1850 | FL #LO79420 HI-121627

© 2021 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity. Licensed by the Dept. of Business Oversight under the CRMLA. Licensed as Preferred Rate in AL, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in AZ and NV. AZ Corp BK 0906702. CA DRE #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 2941/164. Licensed under the Oregon Consumer Finance Act. Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License #MB.6761304 | James R. Thompson Center | IDPR – Residential Mortgage Banking | 100 West Randolph St, 9th Floor | Chicago, Illinois 60601 | (844)768-1713 CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”