Mortgage Pre-Approval in California: Why It Matters Before You Shop A mortgage pre-approval in California is a lender’s written determination — based on verified income, credit, assets, and debt — of the loan amount and programs a buyer qualifies for before making an offer on a home. Quick Answer: A mortgage pre-approval [...]
Land Loans California: Buy Land and Build on Your Terms A land loan is a type of real estate financing used to purchase vacant land or an undeveloped residential lot without an existing structure on the property. Unlike a traditional mortgage, a land loan funds the acquisition of the raw parcel itself, giving [...]
Self-Employed Mortgage: How to Qualify in California (2026) Self-employed borrowers can qualify for a mortgage using the same loan programs available to W-2 employees — the key difference is how income is calculated and documented. Quick Answer: Self-employed borrowers qualify for mortgages based on taxable income shown on two years of tax returns, [...]
Gift of Equity: Buy a Home From Family With Little to No Money Down A gift of equity is a transaction where a family member selling their home applies a portion of their existing equity as a credit toward the buyer's down payment and closing costs—allowing the buyer to purchase the property with [...]
VA Loan Guide — Clearing the air for Veterans and Service Members The VA loan program is a powerful benefit designed to support eligible active-duty service members, Veterans, and certain surviving spouses by making homeownership more accessible and affordable. However, misinformation about the program often causes confusion and can lead to missed opportunities. This [...]
Your guide to: One-Time Close Construction Loans A One-Time Close Construction Loan simplifies the process of building a new home by combining your construction financing and permanent mortgage into one single loan. That means one closing, one set of fees, and peace of mind knowing your long-term financing is already locked in before construction [...]
The 2026 CalHFA Dream For All Program: How to Get Ready Before It Opens California’s Dream For All program is making a highly anticipated return in early 2026—and it could be a game-changer for first-time and first-generation homebuyers across the state. This popular CalHFA program offers a unique way to cover your [...]
Why Should I Get an Annual Mortgage Review? Just as we make it a priority to have annual checkups with our doctors for our physical well-being, it's equally crucial to dedicate time each year to evaluate our financial health. One key component of this proactive financial checkup is the annual mortgage review. This [...]
Unlocking Income: 5% Down Payment for Multi-Family Homes Think multi-family properties like duplexes, triplexes, or fourplexes are only for the elite? Think again! Now, you can enter the game with just a 5% down payment. Starting November 18, 2023, Fannie Mae slashed the down payment requirement for owner-occupied multi-family properties from 15-25% to [...]
USLENDING COMPANY, 2280 BECHELLI LANE, REDDING, CA, 96002 (530) 244-6830
NMLS #129988 | LICENSED IN AR, AZ, CA, CO, FL, GA, HI, ID, KY, MT, NV, OR, SC, TN, TX, WA
OPERATES UNDER US LENDING COMPANY IN AR, CA, CO, FL, HI, KY, MT, OR, TN, TX, WA.
OPERATES UNDER AMERICAN PACIFIC MORTGAGE IN AZ, ID, NV, SC – BK 0906702.
LICENSED UNDER THE OREGON CONSUMER FINANCE ACT.
Licensed by the Dept of Financial Protection and Innovation under the CRMLA.
Not Available in New York.
TEXAS MORTGAGE BANKER DISCLOSURE CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
© 2026 American Pacific Mortgage Corporation. All rights reserved. This material is provided for informational purposes only and is not guaranteed to be accurate or complete. The programs described may not include all available options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. Refinancing may result in higher total finance charges over the life of the loan. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Certain products may not be available in all states, and restrictions may apply. Please consult your loan advisor for complete details. Equal Housing Opportunity. www.apmortgage.com/
NOTE: Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.
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