Highlighted Program
STaR Loan
Are you employed in the education sector, a correctional officer, or a first responder?
Pomerleau
"We wanted a forever home large enough for our growing family."
- Mary & Sean, Homeowners
Bridge Loan Programs
APM's Bridge Loan options helped me sell my current home, while I purchased a new one.
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Mattson
"What initially seemed like a distant possibility became something tangible for us, and we quickly began the search for our new home."
- Ryan & Ashley,
Homeowners
MCC
We really wanted to live in the Portland area. The MCC seriously helped us increase our purchasing power!
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About You
About You.
Not Just Mortgage.
Are you looking for a mortgage company that cares about your financial future?
What would you like to do? Buy a Home RefinanceSTaR Firemen
The STaR mortgage program helps our educators, first responders, and correctional officers save some hard earned cash.
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The Chenoa Fund Program
We weren't sure how to cover the down payment until my brother told me about 100% Mortgage Financing with the Chenoa Fund.
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Heidi F.
"Home should always be your safe zone"
- Heidi, Homeowner
Dream Home Renovation
We were able to turn a fixer upper into our Dream Home!
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iconBoxJumbo
Investor Advantage
I needed the most purchasing power to buy my investment property.
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brown hair woman with a smile
Rents are just getting too high. Maybe it's time to buy?
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Old Guy with Smile/Retirement
I received the support I needed for my retirement goals.
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Asian Man – Investment/Vacation Home
Our vacation home also doubled as an investment property.
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Just a kid/Redheaded Boy
I'm just a kid.
Blonde girl with glasses
I only had to pay 3.5% down with an FHA Loan.
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Refinancing Options
Refinancing Options
Is refinancing right for you? Try our calculator and see what you could be saving.
Try it NowRed Dress/Renovations
This was a great time for us to refinance while we made some much needed renovations.
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Fixed Testimonial
Keys on Time
When we moved to Washington, we used the Keys on Time program with SecureLock and got into our new home lightning fast!
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Future Loan Officer
Future loan officer.
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African American Businessman
Understanding our credit made a huge difference in buying our first home.
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Old Guy with pipe
When I was your age we walked through 10 miles of snow to get a mortgage!
Naked Guy
Naked bike ride. Totes awesome. Stay weird, Portland.
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Our Clients Love Us
"We wanted a forever home large enough for our growing family."
- Mary & Sean, Homeowners
Find The Right Loan Program For You!
- Requires lower debt-to-income ratios
- Requires higher credit scores
- A variety of options regarding loan term and other variables
- Down payment can be as little as 3.5%
- Upfront and Annual Mortgage Insurance must be obtained
- Highest cost of Mortgage Insurance when compared to all other loan types
- Require no money down
- Minimally impacted by credit issues
- Mortgage insurance varies based on the borrower’s specific eligibility
- Adjustible or fixed rate.
- Low down payment
- Purchase or refinance
- $695 credit toward loan processing
- Free credit report & analysis
- Zero down financing options
- Get a cash advance or a monthly disbursement
- Outstanding principle owed will increase each year
- No monthly mortgage payment
- Improve the interest rate compared to your prior loan
- Higher interest rate
- 203k Loan options available
- New home construction
- Construction only loans available
- Construction to permanent available
- Guarantees payment of your loan on your behalf if you fail to repay
- Subsidized by the state of Oregon
- Reduce your transaction fees or receive a lower interest rate on your loan
- Finance a home improvement or an educational advance
- Interest paid on these loans may be tax deductible
- Very few lenders are offering Second Mortgages
- Fixed rate term of either 15 or 30 years
- Only available in specified low-density population areas
- Restricts the borrower from owning another property
- Available even if you owe more on your house than it is worth
- Refinance if your house is under water
- Must be current on the mortgage with a good payment history in the past year
- Create your dream home instead of buying someone else’s
- The loan amount is based on future assessed value of home
- Take advantage of properties in great locations that need renovation
- Over 90% of owner-occupied homes qualify
- First-time and move-up homebuyers are eligible
- Single-family, condos, investment, second-homes
- Buyers must not have owned a home in the previous three years.
- Buyers must meet income and purchase price restrictions.
- Buyers must intend to use the new home as a primary residence.
- Lock in your rate while you shop for a home
- Lock in your rate while you sell your home
- Lock in your rate while your home is under construction
- Save up to $500 in reduced Lender Fees for qualified Teachers and First Responders
- Can be combined with Down Payment Assistance which permits gift funds to be used for 100% of the home purchase down payment
© 2018 Options Financial Residential Mortgage is a division of American Pacific Mortgage Corporation. All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply. Equal Housing Opportunity.
