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
undergone at a larger bank.
Some Of The Loans We Have To Offer
What We Can Provide
Today’s technology is providing a more productive environment to work in. For example, we have a mobile application that will keep you up to date on the status of your loan and provides ease to supply documentation. We also offer a complete cost analysis of the different loans available to you. 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 in the central valley but we serve all of California with ease.
"Let's Get Social!"
*Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act*
American Pacific Mortgage Company, NMLS #1850, APMC CA DRE #01215943, NMLS Consumer Access
"Equal Housing Opportunity"
Find the Right Mortgage Option for You! Tell us what your goal is
Whether you're buying your first home or your dream home, we have a mortgage solution for you. Get your custom rate quote today.
We're committed to helping you refinance with the lowest rates and fees in the industry today. Check out our Low Rates, Calculate your Payment, or Start the Process Today!
Whether you're buying your first home or your dream home, we have a mortgage solution for you. Get your custom rate quote today.
Our mortgage calculators help you hone in on the loan options that are best for you. Calculate your mortgage, interest rates, and more.
What our clients say about us!
When we were ready to become homeowners again, we asked our real estate agent to refer us to someone we could trust to help us with financing. She immediately recommended Peggi Sahota at American Pacific Mortgage. We're so grateful she did! Peggi made each step of the mortgage process easy to understand and took the time to learn what financial options worked best for our family. Using a customized loan app on our phones, Peggi was able to keep us informed of all available loan products and scenarios for each potential home we considered to purchase, including current lending rates, down-payment variations, rate buydown options, and even multiple purchase prices so that we could compare how our monthly payment, closing costs and loan valuation could be affected. She was always a text, email or phone call away, seven days a week, and never left us hanging! We were able to complete the loan process from our home or work using a secure portal and electronic document management. She also hand-held us through the process with our title company to ensure we had the understanding and confidence to make informed choices. During escrow she continued to support us by communicating directly with our seller's agent, our agent, and monitoring rates which led to us re-locking our rate without any penalty, therefore reducing our closing costs, monthly payment and total out of pocket for the life of our loan. Peggi is easy to talk to and extremely knowledgeable - she was a valued member of our home buying team! She will continue to monitor rates for us going forward so that if refinancing in the future can save us even more money, we'll know it and won't miss out! We're so grateful to have her expertise and competency available to us during such a huge life changing decision and we recommend her highly to anyone serious about buying or refinancing a home. Thank you, Peggi!
Peggi is wonderful! I purchased my first home thanks to Peggi’s loan simulators, know how, and expertise. She was always available to answer questions. I am very busy with work and she kept me on track by following up with me, setting reminders, and making the whole process electronic and effortless. I never had to reach out to her because she was always one step ahead of me. I recommend Peggi without reservation. I wish everyone in my professional life was as thorough and organized. Use Peggi for your loan needs! You’ll be so glad you did!
I appreciated how Peggi Sahota took the time to explain important details about the loan process. She updated me almost every other day and was patient with me. The process went as smooth as it could. Thank you Peggi!
This is my first home and I was very pleased with Peggi at American Pacific Mortgage. They were very informative as to all the questions I had and were very professional! I highly recommend them for anyone looking to purchase their first home or new home! Thank you all again!
Peggi is the one to go to when purchasing a home! My family's experience was very pleasant and stress free with Peggi on our side. She answered every question we had and explained the entire process before and as we came across it. We highly recommend Peggi if you are searching for someone who is reliable, honest, and truly cares for your best interest!
Daniel was wonderful to work with while looking for our new home. His advice and support through closing was invaluable. He was very thorough, available, friendly, and knowledgeable with the whole buying process. We could not have done it without him.
Peggi and her team were extremely helpful in the home loan process. They kept us up to date and worked in a timely manner. I would highly recommend Peggi and her team to anyone. Thank you Peggi for using your knowledge to help us through this process. It was a pleasure working with you.
Fernando was super easy to work with and kept me very well informed of the process. Made the process of buying a house as easy as it could be, definitely would recommend them to anyone looking or wanting to buy a house.
It was a pleasure working with Peggi during the purchase of a home. Peggi is very knowledgeable, maintains excellent communication, and kept me informed throughout the entire process. Overall, Peggi made sure that the entire process went smoothly and it did! Thank you Peggi once again for all of your help!
Peggi helped us with purchasing our first home. Both she and Jennifer were personable and helpful in all aspects of the home buying process. We appreciate all of their help and expertise!
We worked with Peggi to purchase our first home. We had been warned by friends how stressful and difficult the mortgage process is, but she made the process so simple and worry-free for us. She was easy to communicate with, stayed in touch, and gave us frequent updates. Her insights and assistance really made the process stress-free and we will certainly utilize her services again in the future!
My experience with Fernando was quick and easy! He was very informative and guided me on every step of the loan process. We started off with finding the correct loan program to my specific needs, to gathering all the correct documents, and how much money needed to close. I would highly recommend Fernando Zapiain. Everything was smooth sailing and I can’t believe I’m officially a home owner! Thank you Fernando and the team!
Very helpful from beginning to end of the entire loan process. Will be working with Peggi when we are ready for a bigger home. Loan has been funded and she still keeps in contract and helps with any questions that we may have.
Peggi is awesome! She has so much helpful information that makes the home buying process so much easier. We really appreciated her flexibility, quick responses, and overall positive attitude!
Peggi was very efficient, knowledgeable, and a pleasure to do business with. If I could give 10 stars I would.
Peggi was helpful and responsive. Everything went well. We appreciated her team. The portal was efficient. Hoping to continue to work with her in the future. Thanks Peggi!
Derek’s communication throughout the whole process was incredible. He kept us informed every step of the way and was open and honest about the home loan process. We would recommend him to everyone we know looking to purchase a home.
Peggi is the best. Very responsive and completely transparent. I recommend her to everyone!
Derek was amazing! He truly went the extra mile. Can’t say enough good things about him and his team.
Amazing! Loved working with Peggi!
Can’t say enough good things about the service, expertise, and support I received from Peggi throughout my refinance experience. She offered suggestions and scenarios that helped me decide how to navigate through the specifics and went the extra mile in getting me the best rate possible through daily rising rates. Her hands on communication was first rate. Thank you, Peggi!
Peggi and the staff is the best loan team I’ve ever been a part of. We’ll send them all the referrals I have. I truly appreciate everything they do.
Especially as a first time home buyer having Peggi as a loan officer was a fantastic experience. She was informative and extremely kind always making time when needed and maintaining excellent communication. She makes it obvious that she loves the work that she does and that makes all the difference.
Derek Tull was amazing and made the entire process so easy and quick. There was absolutely no stress, which can sometimes happen during this process. He kept me informed the entire time. I highly recommend using Derek and APM when you are considering buying or refinancing, as you will not be disappointed.
I’m beyond grateful for the great service Peggi and her team provided. This process was such a joy and smooth experience.
Diana Haase is amazing. She was so helpful, informative, quick and answered all our questions. If it weren’t for her, we wouldn’t have been approved for the house we were approved for.
Wonderful team. Very professional and extremely knowledgeable. Thank you Peggi, Kathrine, and the rest of the staff in helping us get a great loan.
Peggi is absolutely AMAZING!! She was very attentive and supportive through the process. Peggi made sure to check-in, update us with any new information, and answer all of our questions. She is very easy to get in contact with and definitely eased some of the stress through it all! It was a great experience working with her!!
Diana is the best!! She guided and looked out for our best interest throughout the whole transaction. Even when we hit some BIG bumps she never gave up on us!!! She is one of kind and an awesome loan officer.
Great experience, Diana worked with us for over a year, kept in contact all the time until we bought our house. Diana was very friendly and easy to talk to. Highly recommend!!!
Great customer service. Put us and our needs first and did everything in your power to make it work. Great experience.
Amazing attention to detail. I have bought multiple houses with him in the past and will continue to do so.
From Start to Finish, Peggi Sahota and her team were up front and forward about everything required for the process to run smoothly. Peggi went above and beyond for us and we felt like we were in good hands the entire time. Peggi and her team always kept us in the loop of any progress or potential delays. If I had to do the process all over again I would definitely go back to Peggi and her team. Thank you guys for an awesome home purchase experience!
Thanks so much Peggi - you are just so awesome!!! I have worked with other firms before but no one matches your level of courtesy, professionalism and perfection. Your customer service is exemplary. I look forward to working with you on my next purchase. Thanks again for making this experience so wonderful.
Fantastic! Was quick, and kept me informed!
We had a great experience with Diana. She was very helpful and answered all of our questions throughout the process.
Thank you Daniel for helping us buying our house. We truly recomend your services. You are a fantastic loan officer!
Fernando walks you step by step through the loan process. He exceeded our expectations going through it all, especially being first time buyers and trying to understand it all. Any concerns or questions that you have he is more than welcome to address them with you or answer them. He really is awesome at what he does and i would recommend him to all my family and friends!
Derek was wonderful to work with. He always responded promptly, he was patient and clear when answering my questions and he made the loan process very easy for me. Derek is a true professional!
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!
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!
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.
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!!!
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.