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 [...]
8 Heartwarming Holiday-Giving Ideas for the Whole Family This Season As the holidays are fast approaching, it's more than just feasts and gatherings; it's a time for giving. We've collected 8 of our favorite holiday-giving ideas for giving back to others in this holiday season. Shifting the focus from personal wish lists to [...]
USLENDING COMPANY, 2280 BECHELLI LANE, REDDING, CA, 96002 (530) 244-6830
NMLS #129988 | LICENSED IN CA, AZ, ID, OR, WA, TN, MT
OPERATES UNDER US LENDING COMPANY IN CA.
OPERATES UNDER AMERICAN PACIFIC MORTGAGE IN AZ, ID, OR, WA, TN, MT, & FL, AZ 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.
© 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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