Your Mortgage Made Easy
Get your easy, hassle-free, digital mortgage here.
Welcome to
American Pacific Mortgage
American Pacific Mortgage, a family-oriented mortgage company located in California's plentiful Central Valley that offers all of the loan types available at large banks. At APM, you get the comfort and support of a small company without all of the rigid standards and extra department approvals
FHA 30 Year Fixed Mortgage Loans, 5% Conventional Loans, VA Loans, FHA Streamline Refinances, VA Loan Refinances, Adjustable Rate Mortgages, Reverse Mortgages, Jumbo Loans, HARP 2.0 Refinance Loans, Conforming Interest Only Loans, FHA Access Program Loans, Fannie Mae Homepath Loans, Freddie Mac Loans, USDA Loans and more.
For more information on different types of loans, check out our list of loan programs we have available. For more detailed information regarding which type of financing would be great for you, contact a Loan Officer today for a FREE consultation!
Today’s technology is providing a more productive environment to work in. For example, through our website, you can submit a complete on-line, secure loan application or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive mortgage calculators and going over various mortgage scenarios.
Our office is conveniently located allowing us to serve all of the following areas with ease:
Stanislaus County
Modesto | Turlock | Patterson | Hughson | Ceres | Oakdale | Waterford | Riverbank
Merced County
Merced | Atwater | Dos Palos | Gustine | Livingston | Hilmar
San Joaquin County
Stockton | Lodi | Tracy | Escalon | Lathrop | Ripon | Manteca
However, in today's world, distance does not stand in the way of obtaining a loan! Our loan officers have closed loans in southern California and even out of state! So whether you’re in Northern California, Modesto, Central Valley, Fresno, Sacramento or anywhere else in California, please contact us to see what we can do for you!
"Let's Get Social!"
*Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act*
American Pacific Mortgage Company, NMLS #1850, APMC CA DRE #01215943, NMLS Consumer Access
"Equal Housing Opportunity"
What Our Customers Are Saying *
Yomayra - Merced, CA
"Peggi was super helpful and was always available when my husband and I had questions about our home loan. She told us what to expect right from the beginning and made the home buying process very quick and easy. We highly recommend Peggi to anyone who is looking into purchasing a home."
Lyat - Atwater, CA
"Luanne made our loan experience a smooth one. She was knowledgeable, responsive, professional, and very easy to work with. We have purchased several homes and have always found APM to be the best lender to go with. Working with a local Loan Officer made the process less stressful, more personable, and Luanne was able to offer competitive rates. We highly recommend Luanne for all of your mortgage needs."
Andrea - Turlock, CA
"Derek is approachable, knowledgeable, patient and everything you need in a loan officer. Whenever I had questions during the home loan process, I could reach Derek either by phone, text, or e-mail and his responses were never delayed. We looked at various loan programs for which I qualified and Derek pointed out the pros and cons of each one for me. I now own my very first home, and with much thanks for his work and dedication. I have already recommended Derek to neighbors and friends!"
Ashford - Newman, CA
"Peggi Sahota was the best!! She really help us out with our very first home loan. Answered all our questions that first time home buyers asked. Definitely recommend seeing her for all you home loan needs!"
Victor - Modesto, CA
"Fernando Zapiain is amazing! He explains everything so precise and professionally. Fernando is a great person not just within his business but also in general. He’s a family man so he understands if you need to bring your children in while scheduled for appointments. Thank you for your great service and your accurate results!"
Marie - Merced, CA
"Peggi is wonderful to work with! Very thorough, she answered all our questions and went out of her way to be there at every step of the process."
Sandra - Turlock, CA
"Jordan was Amazing! Thank you for taking your time and explaining every step of the process. We will recommend Jordan to all our family and friends. "
Geraldine - Ontario, CA
"Fernando helped to secure a great interest rate for my loan for my property in Ontario, CA. He made sure that I had no questions and everything was clear and precise. I can't thank him enough for all the time he spent on the negotiations & number crunching. What an amazing professional & personable young man. I would recommend Fernando to any current home buyer or anyone who wants to get the BEST person working on their behalf!!!"
Ada P. - Turlock
"I cannot thank Fernando enough for helping me in getting my finances in order. Trying to buy a home, multiple properties, or refinancing isn't easy especially coming across someone you can TRUST and has your best interest at heart. He literally broke everything down in sections (he's very detailed & organized) and set up appointments for me to check in (he puts in 100% effort & it shows)! I highly recommend him to all my family and friends."