My team and I are committed to providing you with exceptional service so we can retain you as a lifelong client. American Pacific Mortgage is a direct lender and we offer a full range of loan programs for Conventional, FHA, USDA and VA home loans at competitive rates. Whether you are purchasing a home for your primary residence, buying a 2nd home, buying an investment property or need to refinance your existing home.
All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice.
All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice.
Services
As a Senior Producing Branch Manager I and have 26+ years' experience in the mortgage industry. I am committed to educating home buyers and home owners so they will find the loan to fit their short term and long term goals. My team and I will walk you thru each step of the loan process. I will meet with you to understand your goals.
Conventional loans are defined simply as mortgages that are not guaranteed by any government agency. Government-backed loans such as those insured by the Federal Housing Administration (FHA) and the U.S. Department of Veterans Affairs (VA) are generally designed to make homeownership easier for individuals with lower income and credit scores.
The Federal Housing Administration was established as part of the National Housing Act of 1934 and later became part of the Department of Housing and Urban Development (HUD) in 1965. The primary goals of the FHA are to improve the housing market and to protect lenders in the event of borrower default.
United States Department of Agriculture (USDA) Rural Development operates a number of financial assistance programs with the goal of improving the economy and the overall quality of life in rural communities. This includes USDA Rural Development home loans either offered or guaranteed by the USDA. USDA Home Loan programs were established to create opportunities for families to own decent homes that are both sanitary and safe.
As part of the Servicemen's Readjustment Act of 1944, the VA Loan program was created to help American veterans obtain home loans in situations where alternative financing may be difficult to obtain. By partially guaranteeing home mortgages, the U.S. Department of Veterans Affairs (VA) makes it possible for Oregon veterans to receive very favorable loan terms and conditions when compared to other mortgages.
Reviews (8)
Zane Fernandez
Jun 27, 2021
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John Lee
Mar 14, 2021
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Nicole Sprague
Mar 04, 2021
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This guy is a pile. He rented to me and my kids. We moved in and found out the house was in foreclosure. We ended up being forced out a few months later (the day before Christmas). He kept lying saying there was a mix up at the bank just to get us to pay rent. I would never trust this guy with my mortgage. I hope you lose everything for what you put us through.
Bryan Hackler
Jan 23, 2021
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Paul Ricker
Jan 01, 2021
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Stephen Gandy
Nov 20, 2020
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Jenny Willard
Aug 27, 2020
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Heather Kelner
Nov 28, 2019
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John and his wife Sherri are locals. They were very thorough and attentive. They responded to emails and phone calls quickly. The only down side to our deal was that my mortgage was instantly sold (which I understand is industry standard) and the buyers are a company that I have no interest in doing business with and would never have chosen for myself. Other than that, I would happily work with John and Sherri Mayer in the future!
