Not available in New York. 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.
Not available in New York. 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.
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Estimating your score will not harm your credit and will help us provide a range of available rates.
By giving us your phone number, American Pacific Mortgage has your consent to send you automated calls and texts to service your inquiry. By providing your phone number, you are giving permission to be contacted at that number and may Reply STOP to stop receiving messages or HELP for help. Your consent allows the use of text messages, artificial or prerecorded voice messages and automatic dialing technology for informational and account servicing. You don’t need to consent as a condition of buying any property, goods or services. Message/data rates may apply.
By entering your information and clicking “submit," you are contacting American Pacific Mortgage and agree that we may email you about your inquiry. You also agree to our Terms of Use and Privacy Policy. You may Unsubscribe at any time by replying to any e-mail from us and change the subject line to “Unsubscribe” or e-mail us at compliance@apmortgage.com to Opt out.
By giving us your phone number, American Pacific Mortgage has your consent to send you automated calls and texts to service your inquiry. By providing your phone number, you are giving permission to be contacted at that number and may Reply STOP to stop receiving messages or HELP for help. Your consent allows the use of text messages, artificial or prerecorded voice messages and automatic dialing technology for informational and account servicing. You don’t need to consent as a condition of buying any property, goods or services. Message/data rates may apply.
By entering your information and clicking “submit," you are contacting American Pacific Mortgage and agree that we may email you about your inquiry. You also agree to our Terms of Use and Privacy Policy. You may Unsubscribe at any time by replying to any e-mail from us and change the subject line to “Unsubscribe” or e-mail us at compliance@apmortgage.com to Opt out.
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We've helped thousands of Veterans and their families achieve homeownership using the VA home loan.
Did you know just a small fraction of our military has used their VA home loan benefit? There are some Veterans who don’t even know it exists. The VA home loan benefit is one of the most powerful loan products available, and it has significant financial benefits. With competitive interest rates and no down payment or private mortgage insurance needed, the VA loan is a product that our service members can leverage to their advantage.
The VA loan remains one of the only lending programs on the market that offers a zero down payment mortgage. Most lending programs require at least some form of down payment, ranging from 3.5% to 20%.
Borrowers using the VA loan can purchase immediately with no money down, avoiding years of saving up and paying rent to someone else.
Down Payment
No down payment on VA purchases
VA loans do not require mortgage insurance, even when the homebuyer is putting no money down. Fees are lower than they are for other loan programs and can be covered by seller credits or even a gift. As a result, the buyer not only saves cash upfront but can also save thousands over the lifetime of the loan and have more purchasing power when shopping for a home.
Cost Savings
Low fees and no mortgage insurance
As of January 1st, 2020, the VA has changed its loan limit to NO LIMIT!
With full entitlement intact, lenders will have different requirements on their loan limits based on your FICO score. At APM, our minimum credit score is just 640 if your loan amount is below the county loan limit. Anything over that is on a case-by-case basis.
Loan Limits
Only limitation is your entitlement
The VA loan has very flexible underwriting guidelines compared to a conventional mortgage and other types of home loan financing. Credit scores can go as low as 40 points lower than conventional loans, and underwriters can approve the loan based on makes-sense financing.
VA loans also allow for a higher debt-to-income ratio than other types of mortgages. Because of this, borrowers in some markets qualify for tens of thousands more in purchase price than if they used conventional financing.
Flexible Guidelines
Easier qualifying than other programs
Our user-friendly calculators can help you compare payments and purchase prices to determine how much home you can afford.
We have resources, tools, and advice available for you when you need it!