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MAKE HOME LOAN PAYMENTS ONLINE Make home loan payments online and get answers to your questions. American Pacific Mortgage is here to help. MORTGAGE JOBS & CAREERS An Abundance of Training. The mortgage industry is ever changing, and APM is dedicated to helping our producers be prepared and educated so they can succeed. Our training department is a one-stop-shop for all your training needs from Edge technology tools to new product releases and everything in between. 2020 HOME IMPROVEMENTS WITH THE HIGHEST ROI The project with the highest return on your investment in 2020 is manufactured stone veneer. Manufactured stone veneer emulates natural stone, but it’s easier and more cost-effective to install. For this project, you’ll remove the bottom third of your siding and add manufactured stone veneer around the perimeter of your home (andarchway
APM LAUNCHPAD FOR MORTGAGE SALES PROFESSIONALS The Ideal Candidate. LaunchPad’s mission is to provide an exceptional, all-inclusive program that will help recruit and educate qualified, new-to-the-industry individuals for American Pacific Mortgage branches. We are seeking dynamic individuals with finance, marketing, sales, and business development savvy and a strong entrepreneurial spirit.FIND A LOAN ADVISOR
At American Pacific Mortgage, we are committed to creating experiences that matter. Our clients and referral partners are top of mind with our entire team - we are very aware and appreciative that you have placed your trust in us for this very important transaction. HOW TO PERFECT THE ELEVATOR PITCH FOR LOAN OFFICERS The Formula. A good loan officer elevator pitch follows this basic formula: who you serve, what do you do to help them, and how do they benefit. You can also think of it as problem + solution + proof. Notice that the pitch is all about them, never about you. Example: “I help first-time home buyers realize their dream of homeownershipby
FIND A LOAN ADVISOR
At American Pacific Mortgage, we are committed to creating experiences that matter. Our clients and referral partners are top of mind with our entire team - we are very aware and appreciative that you have placed your trust in us for this very important transaction.FIND A LOAN ADVISOR
Learn more about Lindsay Witter at American Pacific Mortgage. Start your purchase or refinance home loan today.FIND A LOAN ADVISOR
About Claudia. Claudia has established herself in Salem's for over 19 years. Her product knowledge and ability to understand and meet the needs of her clients is exceptional. Claudia is fluent in Spanish, and she has become a trusted advisor to some of the top Real Estate Agents and financial professionals in the Willamette Valley. AMERICAN PACIFIC MORTGAGE We exist to provide homeownership opportunities and the financing needed to get buyers their own piece of property. All of us at APM are committed to Creating Experiences That Matter, because in the end, there's not much that matters more than home. We have over 1500 mortgage professionals across the country ready to help. Meet APM.This image
MAKE HOME LOAN PAYMENTS ONLINE Make home loan payments online and get answers to your questions. American Pacific Mortgage is here to help. MORTGAGE JOBS & CAREERS An Abundance of Training. The mortgage industry is ever changing, and APM is dedicated to helping our producers be prepared and educated so they can succeed. Our training department is a one-stop-shop for all your training needs from Edge technology tools to new product releases and everything in between. 2020 HOME IMPROVEMENTS WITH THE HIGHEST ROI The project with the highest return on your investment in 2020 is manufactured stone veneer. Manufactured stone veneer emulates natural stone, but it’s easier and more cost-effective to install. For this project, you’ll remove the bottom third of your siding and add manufactured stone veneer around the perimeter of your home (andarchway
APM LAUNCHPAD FOR MORTGAGE SALES PROFESSIONALS The Ideal Candidate. LaunchPad’s mission is to provide an exceptional, all-inclusive program that will help recruit and educate qualified, new-to-the-industry individuals for American Pacific Mortgage branches. We are seeking dynamic individuals with finance, marketing, sales, and business development savvy and a strong entrepreneurial spirit.FIND A LOAN ADVISOR
At American Pacific Mortgage, we are committed to creating experiences that matter. Our clients and referral partners are top of mind with our entire team - we are very aware and appreciative that you have placed your trust in us for this very important transaction. HOW TO PERFECT THE ELEVATOR PITCH FOR LOAN OFFICERS The Formula. A good loan officer elevator pitch follows this basic formula: who you serve, what do you do to help them, and how do they benefit. You can also think of it as problem + solution + proof. Notice that the pitch is all about them, never about you. Example: “I help first-time home buyers realize their dream of homeownershipby
FIND A LOAN ADVISOR
At American Pacific Mortgage, we are committed to creating experiences that matter. Our clients and referral partners are top of mind with our entire team - we are very aware and appreciative that you have placed your trust in us for this very important transaction.FIND A LOAN ADVISOR
Learn more about Lindsay Witter at American Pacific Mortgage. Start your purchase or refinance home loan today.FIND A LOAN ADVISOR
About Claudia. Claudia has established herself in Salem's for over 19 years. Her product knowledge and ability to understand and meet the needs of her clients is exceptional. Claudia is fluent in Spanish, and she has become a trusted advisor to some of the top Real Estate Agents and financial professionals in the Willamette Valley. BECOME A SPECIALTY WHOLESALE PARTNER Become an APM Speciality Wholesale Lending Partner. APM Specialty Wholesale can help you build your business in your local community and provide a needed service for your Members who are purchasing or refinancing homes. We, like you, are dedicated to serving our local communities where you serve. We offer a multitude of innovative loanprograms
DIVERSITY AND INCLUSION To achieve our Diversity and Inclusion mission, American Pacific Mortgage has forged partnerships with a variety of trade associations and community groups that share our commitment and mission. We facilitate workshops to educate employees on relevant Diversity and Inclusion topics. In addition, we work with various communityorganizations to
JOIN OUR TEAM AND GET THE APM EDGE From lead source to loan closing, the APM Edge provides a competitive advantage to your real estate partners and consumers with mobile optimized processes and improved communications resulting in seamless transactions. The HUB: Our APM Intranet has all the information you need to succeed. Come join a team that has been voted as one of thebest
PAUL HUBBARD
Paul is a veteran mortgage banking professional with more than 35 years of finance experience. He joined APM in March 2020 after a successful 12-year run as CFO of another mortgage company. Today, Paul heads up APM’s finance, accounting and treasury activities. Paul has enjoyed working for a variety of elite mortgage and finance companiesFIND A LOAN ADVISOR
At American Pacific Mortgage, we are committed to creating experiences that matter. Our clients and referral partners are top of mind with our entire team - we are very aware and appreciative that you have placed your trust in us for this very important transaction. NED PAYANT - APMORTGAGE.COM He served as EVP of Operations for 7 years, then lead Enterprise Production for 2.5 years. In his production role, Ned led with a “solutions first” mentality, strengthening our market position with healthy branches and strategic growth. In 2020, Ned was promoted to President. With more than 30 years of management experience in themortgage
HOW YOUR CREDIT SCORE IS CALCULATED Lenders have different definitions of what range of scores are considered “good” or what scores will receive better programs and rates. In general though, this range represents what the different scores mean: 800 +: Exceptional. 740-799: Very Good. 670-739: Good. 580-669: Fair. < 580 : Poor. Even if your credit score is not in thegood or
HOW TO MARKET TO REALTORS AS A LOAN OFFICER So, let’s talk about the most effective ways you can do just that. 1. Email Marketing is a Good Way to Stay in Touch. Remember that realtors are getting similar canned messages from several loan officers at any given time. So, use technology to stay in touch, but do it in a personalized, thoughtful way. HAVE YOU THOUGHT ABOUT DOWN PAYMENT ASSISTANCE IN YOUR STATE? Believe it or not, there are many, many people who want to see you in the home of your dreams. We know that dream doesn’t always seem attainable. Money can be tight, and a down payment is just one more thing you have to save for.FIND A LOAN ADVISOR
Learn more about Roy Rodriguez at American Pacific Mortgage. Start your purchase or refinance home loan today. AMERICAN PACIFIC MORTGAGE We exist to provide homeownership opportunities and the financing needed to get buyers their own piece of property. All of us at APM are committed to Creating Experiences That Matter, because in the end, there's not much that matters more than home. We have over 1500 mortgage professionals across the country ready to help. Meet APM.This image
MAKE HOME LOAN PAYMENTS ONLINE Make home loan payments online and get answers to your questions. American Pacific Mortgage is here to help. BECOME A SPECIALTY WHOLESALE PARTNER Become an APM Speciality Wholesale Lending Partner. APM Specialty Wholesale can help you build your business in your local community and provide a needed service for your Members who are purchasing or refinancing homes. We, like you, are dedicated to serving our local communities where you serve. We offer a multitude of innovative loanprograms
PAUL HUBBARD
Paul is a veteran mortgage banking professional with more than 35 years of finance experience. He joined APM in March 2020 after a successful 12-year run as CFO of another mortgage company. Today, Paul heads up APM’s finance, accounting and treasury activities. Paul has enjoyed working for a variety of elite mortgage and finance companies HOW MUCH ONE EXTRA MORTGAGE PAYMENT CAN SAVE YOU One Lump Sum Payment - save up money throughout the year to equal one extra mortgage payment and send it in at any point during the year, specifying that it is a principal-only payment. Extra Dollars in Monthly Payment - Divide your monthly mortgage payment by 12 and add that amount to each monthly payment. That extra amount will be appliedto
BILL LOWMAN
Bill began his career at American Pacific Mortgage in 2002. In 2004, he became President and in 2016 he became CEO. As CEO, Bill runs the day-to-day operations of the company. Under his and the Executive Team’s leadership, the company has grown to be licensed in 49 states and the District of Columbia. In 2020, APM will fund in excess of $20 HOW TO PERFECT THE ELEVATOR PITCH FOR LOAN OFFICERS The Formula. A good loan officer elevator pitch follows this basic formula: who you serve, what do you do to help them, and how do they benefit. You can also think of it as problem + solution + proof. Notice that the pitch is all about them, never about you. Example: “I help first-time home buyers realize their dream of homeownershipby
FIND A LOAN ADVISOR
At American Pacific Mortgage, we are committed to creating experiences that matter. Our clients and referral partners are top of mind with our entire team - we are very aware and appreciative that you have placed your trust in us for this very important transaction.FIND A LOAN ADVISOR
At American Pacific Mortgage, we are committed to creating experiences that matter. Our clients and referral partners are top of mind with our entire team - we are very aware and appreciative that you have placed your trust in us for this very important transaction.FIND A LOAN ADVISOR
About Claudia. Claudia has established herself in Salem's for over 19 years. Her product knowledge and ability to understand and meet the needs of her clients is exceptional. Claudia is fluent in Spanish, and she has become a trusted advisor to some of the top Real Estate Agents and financial professionals in the Willamette Valley. AMERICAN PACIFIC MORTGAGE We exist to provide homeownership opportunities and the financing needed to get buyers their own piece of property. All of us at APM are committed to Creating Experiences That Matter, because in the end, there's not much that matters more than home. We have over 1500 mortgage professionals across the country ready to help. Meet APM.This image
MAKE HOME LOAN PAYMENTS ONLINE Make home loan payments online and get answers to your questions. American Pacific Mortgage is here to help. BECOME A SPECIALTY WHOLESALE PARTNER Become an APM Speciality Wholesale Lending Partner. APM Specialty Wholesale can help you build your business in your local community and provide a needed service for your Members who are purchasing or refinancing homes. We, like you, are dedicated to serving our local communities where you serve. We offer a multitude of innovative loanprograms
PAUL HUBBARD
Paul is a veteran mortgage banking professional with more than 35 years of finance experience. He joined APM in March 2020 after a successful 12-year run as CFO of another mortgage company. Today, Paul heads up APM’s finance, accounting and treasury activities. Paul has enjoyed working for a variety of elite mortgage and finance companies HOW MUCH ONE EXTRA MORTGAGE PAYMENT CAN SAVE YOU One Lump Sum Payment - save up money throughout the year to equal one extra mortgage payment and send it in at any point during the year, specifying that it is a principal-only payment. Extra Dollars in Monthly Payment - Divide your monthly mortgage payment by 12 and add that amount to each monthly payment. That extra amount will be appliedto
BILL LOWMAN
Bill began his career at American Pacific Mortgage in 2002. In 2004, he became President and in 2016 he became CEO. As CEO, Bill runs the day-to-day operations of the company. Under his and the Executive Team’s leadership, the company has grown to be licensed in 49 states and the District of Columbia. In 2020, APM will fund in excess of $20 HOW TO PERFECT THE ELEVATOR PITCH FOR LOAN OFFICERS The Formula. A good loan officer elevator pitch follows this basic formula: who you serve, what do you do to help them, and how do they benefit. You can also think of it as problem + solution + proof. Notice that the pitch is all about them, never about you. Example: “I help first-time home buyers realize their dream of homeownershipby
FIND A LOAN ADVISOR
At American Pacific Mortgage, we are committed to creating experiences that matter. Our clients and referral partners are top of mind with our entire team - we are very aware and appreciative that you have placed your trust in us for this very important transaction.FIND A LOAN ADVISOR
At American Pacific Mortgage, we are committed to creating experiences that matter. Our clients and referral partners are top of mind with our entire team - we are very aware and appreciative that you have placed your trust in us for this very important transaction.FIND A LOAN ADVISOR
About Claudia. Claudia has established herself in Salem's for over 19 years. Her product knowledge and ability to understand and meet the needs of her clients is exceptional. Claudia is fluent in Spanish, and she has become a trusted advisor to some of the top Real Estate Agents and financial professionals in the Willamette Valley. BRANCH | LO LOCATOR SEARCH | AMERICAN PACIFIC MORTGAGE Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia. Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts. Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico North Carolina. DIVERSITY AND INCLUSION To achieve our Diversity and Inclusion mission, American Pacific Mortgage has forged partnerships with a variety of trade associations and community groups that share our commitment and mission. We facilitate workshops to educate employees on relevant Diversity and Inclusion topics. In addition, we work with various communityorganizations to
MORTGAGE JOBS & CAREERS An Abundance of Training. The mortgage industry is ever changing, and APM is dedicated to helping our producers be prepared and educated so they can succeed. Our training department is a one-stop-shop for all your training needs from Edge technology tools to new product releases and everything in between. CONTACT US | AMERICAN PACIFIC MORTGAGE Drop us a line anytime with your questions, comments or concerns. Home Office. American Pacific Mortgage. 3000 Lava Ridge Court, Suite 200. Roseville, CA 95661. (916) 960-1325. Give us a call. Borrowers looking for new loan information: (916) 621-6588. APM LAUNCHPAD FOR MORTGAGE SALES PROFESSIONALS Halee Daily, LaunchPad’s Curriculum Designer & Program Manager, has taken her 20+ years of hands-on lending expertise to create a holistic approach to origination practices that are exclusive to APM and the LaunchPad program. “LaunchPad was created for our APM branches as a platform to recruit and develop inclusive, diverse, and career-minded loan advisors in a fraction of the time. 2020 HOME IMPROVEMENTS WITH THE HIGHEST ROI The project with the highest return on your investment in 2020 is manufactured stone veneer. Manufactured stone veneer emulates natural stone, but it’s easier and more cost-effective to install. For this project, you’ll remove the bottom third of your siding and add manufactured stone veneer around the perimeter of your home (andarchway
HOW MUCH ONE EXTRA MORTGAGE PAYMENT CAN SAVE YOU One Lump Sum Payment - save up money throughout the year to equal one extra mortgage payment and send it in at any point during the year, specifying that it is a principal-only payment. Extra Dollars in Monthly Payment - Divide your monthly mortgage payment by 12 and add that amount to each monthly payment. That extra amount will be appliedto
FIND A LOAN ADVISOR
Joel is licensed with the Nationwide Mortgage Licensing System and in the states of Washington and Idaho. His specialty is loan analysis and problem solving, which enables him to find the loan product that fit each clients’ specific needs, whether that is a home purchase, refinancing or investment properties. Joel lives in beautiful HaydenMORTGAGE BRANCH
Meet the American Pacific Mortgage team in St. George, UT. Start your purchase or refinance home loan today.FIND A LOAN ADVISOR
Kenton Becker (NMLS #123961) has been a mortgage professional, committed to the success of his clients, for over 17 years. He has the heart of a teacher as he took on the responsibility of becoming a Certified Instructor for the Washington State Housing Finance Commission over 13 years ago. AMERICAN PACIFIC MORTGAGE Searching for the right mortgage lender? Discover why our mortgage company is different from the rest. Request a quote online or get pre-qualified today! MAKE HOME LOAN PAYMENTS ONLINE Make home loan payments online and get answers to your questions. American Pacific Mortgage is here to help. APM LAUNCHPAD FOR MORTGAGE SALES PROFESSIONALS Halee Daily, LaunchPad’s Curriculum Designer & Program Manager, has taken her 20+ years of hands-on lending expertise to create a holistic approach to origination practices that are exclusive to APM and the LaunchPad program. “LaunchPad was created for our APM branches as a platform to recruit and develop inclusive, diverse, and career-minded loan advisors in a fraction of the time.PAUL HUBBARD
Paul is a veteran mortgage banking professional with more than 35 years of finance experience. He joined APM in March 2020 after a successful 12-year run as CFO of another mortgage company. HOW MUCH ONE EXTRA MORTGAGE PAYMENT CAN SAVE YOU With your new home and all of its expenses, there are actually some benefits to paying more now. Find out how much one extra mortgage payment can save you!FIND A LOAN ADVISOR
At American Pacific Mortgage, we are committed to creating experiences that matter. Our clients and referral partners are top of mind with our entire team - we are very aware and appreciative that you have placed your trust in us for this very important transaction.BILL LOWMAN
Bill began his career at American Pacific Mortgage in 2002. In 2004, he became President and in 2016 he became CEO. As CEO, Bill runs the day-to-day operations of the company.FIND A LOAN ADVISOR
At American Pacific Mortgage, we are committed to creating experiences that matter. Our clients and referral partners are top of mind with our entire team - we are very aware and appreciative that you have placed your trust in us for this very important transaction.FIND A LOAN ADVISOR
Learn more about Claudia Chapman at American Pacific Mortgage. Start your purchase or refinance home loan today. HOW TO PERFECT THE ELEVATOR PITCH FOR LOAN OFFICERSBECOME A MORTGAGELOAN OFFICER
You never know where your next client will come from. It’s surprising how often a conversation can turn towards buying a home. It could be at a friend’s barbeque, while dropping kids off at daycare, at a chamber of commerce meeting, a sporting event or during a bookclub meeting.
AMERICAN PACIFIC MORTGAGE Searching for the right mortgage lender? Discover why our mortgage company is different from the rest. Request a quote online or get pre-qualified today! MAKE HOME LOAN PAYMENTS ONLINE Make home loan payments online and get answers to your questions. American Pacific Mortgage is here to help. APM LAUNCHPAD FOR MORTGAGE SALES PROFESSIONALS Halee Daily, LaunchPad’s Curriculum Designer & Program Manager, has taken her 20+ years of hands-on lending expertise to create a holistic approach to origination practices that are exclusive to APM and the LaunchPad program. “LaunchPad was created for our APM branches as a platform to recruit and develop inclusive, diverse, and career-minded loan advisors in a fraction of the time.PAUL HUBBARD
Paul is a veteran mortgage banking professional with more than 35 years of finance experience. He joined APM in March 2020 after a successful 12-year run as CFO of another mortgage company. HOW MUCH ONE EXTRA MORTGAGE PAYMENT CAN SAVE YOU With your new home and all of its expenses, there are actually some benefits to paying more now. Find out how much one extra mortgage payment can save you!FIND A LOAN ADVISOR
At American Pacific Mortgage, we are committed to creating experiences that matter. Our clients and referral partners are top of mind with our entire team - we are very aware and appreciative that you have placed your trust in us for this very important transaction.BILL LOWMAN
Bill began his career at American Pacific Mortgage in 2002. In 2004, he became President and in 2016 he became CEO. As CEO, Bill runs the day-to-day operations of the company.FIND A LOAN ADVISOR
At American Pacific Mortgage, we are committed to creating experiences that matter. Our clients and referral partners are top of mind with our entire team - we are very aware and appreciative that you have placed your trust in us for this very important transaction.FIND A LOAN ADVISOR
Learn more about Claudia Chapman at American Pacific Mortgage. Start your purchase or refinance home loan today. HOW TO PERFECT THE ELEVATOR PITCH FOR LOAN OFFICERSBECOME A MORTGAGELOAN OFFICER
You never know where your next client will come from. It’s surprising how often a conversation can turn towards buying a home. It could be at a friend’s barbeque, while dropping kids off at daycare, at a chamber of commerce meeting, a sporting event or during a bookclub meeting.
MODERN MARKETING
Get modern marketing from APM with polished collateral, content, and strategies to grow your business. CONTACT US | AMERICAN PACIFIC MORTGAGE At American Pacific Mortgage, we are here for you. Learn more about our services, get in touch or provide feedback to help us serve youbest.
BRANCH | LO LOCATOR SEARCH | AMERICAN PACIFIC MORTGAGE Find an American Pacific Mortgage branch or loan officer near you. DIVERSITY AND INCLUSION The mission of the Office of Diversity is to promote social and economic equity by creating and nurturing a diverse workforce and to provide underrepresented communities with access to homeownership. Our goal is to reflect the local communities we serve and to exceed our peers in providing homeownership to underrepresented groups. MORTGAGE JOBS & CAREERS People are at their best when they're allowed to be who they are. Every interaction is an experience, but the value lies in the impression that experience leaves. 2020 HOME IMPROVEMENTS WITH THE HIGHEST ROI One of the best things about owning a home is that you can make it yours, which is hard to do in a rental. Don’t like that carpet? Ripit out!
THE DOS AND DON'TS OF THE MORTGAGE PROCESS When you’re ready to get a home loan, it can help to have as much information about the mortgage process as possible. That way you can take the right steps towards getting your loan, and hopefully avoid some of the more common pitfalls along the way.RVP LEADERSHIP
How is your credit? Estimating your score will not harm your credit and will help us provide a range of available rates. HOW MUCH ONE EXTRA MORTGAGE PAYMENT CAN SAVE YOU With your new home and all of its expenses, there are actually some benefits to paying more now. Find out how much one extra mortgage payment can save you!FIND A LOAN ADVISOR
At American Pacific Mortgage, we are committed to creating experiences that matter. Our clients and referral partners are top of mind with our entire team - we are very aware and appreciative that you have placed your trust in us for this very important transaction.* Get A Quote
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