We help with a range of loan options, including Conventional, FHA, VA, DSCR, Non-QM, ITIN, and TIC loans. We can also help you explore California down payment assistance options when available.

Yes. If you're an investor, we can walk you through DSCR loan options that use rental income to help qualify, which can be a strong fit for rental and short-term rental properties.

Yes, we offer ITIN home loan options for eligible buyers. We can explain the basic requirements and help you understand what to expect during the process.

A tenancy-in-common (TIC) property is a shared ownership structure where multiple owners hold individual interests in a property. TIC financing typically involves fractional loans for each owner, based on their share of the property. This type of financing is common in cities like San Francisco and Los Angeles.

The required down payment depends on the loan type and your financial situation. Conventional loans may require as little as 3%, while FHA loans typically require 3.5%. VA loans often allow eligible veterans to buy with no down payment. Jumbo loans may require higher down payments. Contact us to explore your options.

Refinancing makes sense if it lowers your interest rate, reduces your monthly payment, or helps you achieve financial goals like consolidating debt or accessing home equity. Consider the costs, your remaining loan term, and how long you plan to stay in the home before deciding.

Self-employed borrowers can qualify for a mortgage by providing documentation such as tax returns, profit and loss statements, and bank statements. Some programs, like bank statement loans, may allow you to qualify based on deposits rather than traditional income verification.

Yes, eligible veterans can often purchase a home with no down payment using a VA loan. This benefit is available to those who meet VA eligibility requirements, and it can make homeownership more accessible for veterans and active-duty service members.

Yes, Mike Belfor and the team at American Pacific Mortgage serve homebuyers across California, including the San Francisco Bay Area, Los Angeles, Orange County, and Laguna Niguel. They specialize in a wide range of loan programs to meet diverse needs.

Prequalification provides a general estimate of your borrowing power based on self-reported information. Preapproval involves a more detailed review of your finances, including a credit check, and gives you a conditional commitment from a lender. Fully underwritten approval goes a step further, verifying your documents and financials upfront, making your offer stronger when buying a home.

Yes. If you're an investor, we can walk you through DSCR loan options that use rental income to help qualify, which can be a strong fit for rental and short-term rental properties.