Low Rates
Affordable Loans
Expert Guidance
Veteran Owned & Operated Small Business
No credit check. No obligation. No. B.S.
100% confidential.
We use A.I. to keep costs low. Savings passed on to you. (In progress now)
Helping families create generational wealth through real estate.
It starts at home.
Buying a Home
I need a pre-approval
Highlights:
Get expert guidance
Know how much home you can afford
Strategize the financing plan
Including down payment options
Partnering with your realtor get your offer accepted
Verified Approvals - make your offer almost like cash
Refinance
Lower Payment or Cash Out
Highlights:
Lower your monthly payment
Low rate
and/or better terms
Tap into your home equity and cash out
Pay off high interest debt
Leverage for new investments
Switching loan type and features for your benefit
Loan Programs
There's a few... But, don't worry!
We help you find the best program at the lowest rate.
VA Loans
As low as 0% down payment
Lowest rates
No mortgage insurance ever
Easy streamline refinance option
Recommended FICO 620+
FHA Loans
3.5% down payment
Down payment assistance available
Ideal for first-time buyers
Streamlined refinance option
Recommended FICO 620+
Conventional Loans
Minimum down payment 3%
Removable mortgage insurance (MI)
MI maybe required up to 20% down
Ideal for borrowers with good credit and down payment
Jumbo Loans
For loan amounts above Conventional, FHA, or VA county limits
Min. FICO 660
Renovation Loans
Conventional - Fannie Homestyle
FHA - 203k Renovation Loan
VA - VA Renovation Loan
Fix N Flip - Private Money Loan
Bank Statement Loan
12-24 months bank statements
No tax returns required
No W2 or 1099 required
Min. down payment 10%
Credit scores starting at 660
Investor DSCR Loan
Minimum FICO 660+
No tax returns, W2s or 1099s
Minimum 3 months reserves
As low as 20% down payment
P&L Only Loan
CPA certified P&L provided as income
Down payment as low as 20%
Minimum credit score 680
Reserves required
1099 or W2 Only Loan
1099 or W2 forms
Reserves required
FICO 660+
20% down payment
Foreign National ITIN
Non-Citizens (legal status)
Minimum FICO 680
Minimum down payment 20%
Employed to be verified
Reserves required
Asset Utilization Loan
Credit scores as low as 660
Assets used as income
20% down payment required
Income formula below
Income = Total Asset / 60 months
Reverse Mortgage
Must be 62 years and older
No monthly payment
Cash out option
Monthly stipend option
Primary home only
Home Equity Loan
A form of cash-out
Fixed 2nd mortgage against home equity
Great choice for those with already low rates looking to cash out
HELOC
A form of cash-out
Line of credit against home equity
Works similarly to a credit card
Rates are variable, may go up or down
Currently not offered
Down Payment Assistance
Options:
Soft 2nd (loan)
Grants
Local / State Programs
Must qualify in FHA or conventional guidelines
Temporary Rate Buy Down
3-2-1 example provided
Funded by other parties: seller concessions, agents, bank option
Up to 3 years temporary rate buy down
If refinanced at a lower rate before the end of the buy down, fund is REFUNDED to you.
Don't know which program is best for you?
No problem!
Simply, request a quote and we'll help you.
No credit check. No obligation. No. B.S.
100% confidential.
From RENTING to OWNING in 5 simple steps!
Owning a home is easier than you think! With our straightforward guidance, you're just steps away from your dream home. Let us guide you through every stage of the journey.
5 simple steps to homeownership!
We help you navigate through everything else, so you don't worry.
Step 1:
Schedule a call to get pre qualified and get a quote.
Step 2:
Get a written pre-approval or verified approval.
Step 3:
Work with your realtor for properties within your parameters and submit offers
Step 4:
Go through inspections and loan processing
Step 5:
Sign documents & close, get keys, become homeowners.
Home Loan Programs
VA Home Loans
As low as 0% Down Payment
Low or no credit score required
Lowest rates
No mortgage insurance ever
Easy streamline refinance option
Conventional Home Loans
Down payment options as low at 3%
Mortgage Insurance may be required up to 20% down payment
Removable mortgage insurance
Lowest monthly payment
Credit scores starting at 620
Ideal for borrowers with good credit and down payment
FHA Home Loans
Ideal for most first-time home buyers
Only 3.5% down payment required
Down payment assistance option available
Streamlined refinance option available
Credit scores starting at 580
Jumbo Loans
For loan amounts above Fannie, FHA, or VA county limits
Renovation Loans
Conventional - Fannie Homestlye Loan
FHA - 203k Renovation Loan
VA - VA Renovation Loan
All the same qualification with the renovations built into one single easy loan
Learn More:
No Doc Loan (Stated Income)
Currently not available
Learn More - No Doc Loans
Bank Statement Loan
12-24 months bank statement for income deposit verification
No tax returns required
No W2 or 1099 required
Options as low as 15% down payment
Credit scores starting at 660
Learn More - Bank Statement Loan
Investor DSCR Loan
Debt Service Coverage Ratio
Possible no ratio loan
As low as 20% down payment
No tax returns required
No W2 or 1099s required
Credit scores as low as 660
Reserves required
Learn More - DSCR Loan
P&L Only Loan
Profit & Loss Loan
CPA certified P&L provided as income
Down payment as low as 20%
Minimum credit score 680
Reserves required
Learn More - P&L Only Loan
Foreign National ITIN Loans
Coming soon - Please inquire.
Learn More - ITIN Loans
1099 or W2 Only Loans
1099 Statements only
Learn More - 1099 Only Loans
Asset Utilization Loans
Credit scores as low as 660
Assets used as income
20% down payment required
Income formula below
Monthly Income = Total Asset / 60 months
Learn More - Asset Utilization Loans
Reverse Mortgage / Reverse Purchase
Retire comfortably with a reverse mortgage! Get rid of an expense, or have some extra cash for retirement. Enjoy the home without the stress.
Must be 62 years and older
No monthly payment
Cash out option
Monthly stipend option
Primary home only
Learn More - Reverse Mortgage
Down Payment Assistance
Options:
Soft 2nd loan
Local / State Programs
Work with a lender & realtor to identify local programs
Learn More - Down Payment Assistance Programs
Temporary Rate Buy Down
Interested parties to contribute towards buyer's rate buy down:
Interested Parties:
Seller concessions
Buyer/seller agent credit
Lender option may be available
Example: 3-2-1 temporary rate buy down means:
If original rate is 7%
1st year rate is 7% - 3% = 4%
2nd year rate is 7% - 2% = 5%
3rd year rate is 7% - 1% = 6%
4th year rate is 7%
NOTE: Buyer must qualify at the 7% rate BEFORE the temporary buy down
Purpose on this is to help the buyer make the payments more affordable while banking on future rates to drop for a refinance.
Remaining balance on the temporary rate buy down belongs to the buyer.
Contact us for more details
How to Get Approved
Connect with one of our veteran loan officers to help get you pre-approved.
Down Payment
As low as:
0% with VA Loan
3.5% with FHA loan
5% with Conventional
Credit Score
Credit Scores starting at:
500 with VA Loan
580 with FHA Loan
620 with Conventional
Employment History
2 years working history
Some exceptions may apply. Please, talk to a loan officer to find out.
Debt-to-Income Ratio
VA Loan - up to 65%
FHA Loan - up to 57%
Conventional - up to 50%
We have additional loan products that can help the unique borrower.
What Customers Say About Us
Our Team
David Tran, BROKER
Army Veteran, MBA
Jeanette Nguyen
Loan Officer
Carlos Urbina
Navy Veteran | Loan Officer
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Copyright 2024 . All rights reserved
Equal Housing Opportunity © 2024 Apache Mortgage Inc, 14098 Edwards St, Westminster, CA 92683, 949-298-2980. NMLS ID # 2454357 DRE # 02209550 & 02031005. For licensing information go to www.nmlsconsumeraccess.org. Trade/service marks are the property of Apache Mortgage Inc and/or its subsidiaries or affiliates. Information is intended solely for mortgage bankers, mortgage brokers, and financial institutions. For more information, review Apache Mortgage Inc's state licenses and important notices. Co-op loans not available. Some products may not be available in all states. Information, rates and pricing are subject to change without prior notice at the sole discretion of Apache Mortgage Inc, Mortgage Broker. All loan programs are subject to borrowers meeting appropriate underwriting conditions. This is not a commitment to lend. Other restrictions apply. [05-2024]
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