When you are ready to become a first-time home buyer, we are here to help you through the entire process. You want clear instructions, easy steps to follow, and no surprises. We want to educate you about the mortgage process, and guide you through to a quick, hassle-free close.
Let us simplify the mortgage process for you. Together, we will explore your home loan options, and the steps you need to be pre-approved. We will educate you on the process and available options for first-time home buyers. When you are ready, we will be sure that you are preapproved so you can be ready to make the strongest offer when you find your perfect home.
Get pre-approved with our Keys on Time program and shop for a home with confidence knowing you have preliminary approved financing. It will help you to beat out other bidders, as a seller knows you have already been pre-approved for financing and can close in 20-days or less. If you don’t close on time, you could receive a closing cost credit of $895.*
Shop for your home with peace of mind. Lock in your interest rate before you have a purchase contract to be protected against rising interest rates. Certain conditions and fees may apply**
*Not available in Oregon. The “Keys on Time” program is a limited guarantee that APMC will provide a credit to the borrower of $895 after the close of escrow if, due to some fault on the part of APMC, its originators or other APMC staff, a purchase transaction does not close until a date after the originally stated close of escrow date. The “Keys on Time” limited guarantee does not apply if the purchase transaction fails to close on or before the anticipated close of escrow date due to events/circumstances beyond APMC’s control, including but not limited to, delays caused by: an unacceptable or unexpectedly low appraisal value on the subject property, acts or omissions by the escrow or title company, second lien holder approvals, short sale approval, or loan conditions imposed by the lender that, despite reasonable diligence by APMC, are not met by any party in a timely manner. The “Keys on Time” limited guarantee trigger begins when the initial loan package is received by APMC’s Fulfillment center. The complete loan package must be received in the APMC Fulfillment center a minimum of 20 days prior to the COE date. Exclusions: The limited guarantee does not apply to the HARP program, reverse mortgages, FHA 203k, non-delegated jumbo products or any loans that require prior approval from an investor. The limited guarantee applies to purchase transactions only. All programs are subject to borrower and property qualifications. Rates, terms, and conditions are subject to change without notice.?
** To qualify for the SecureLock program, APM must give full credit approval to all borrowers on the loan. There are specific terms for each lock, based on which variation of the SecureLock program is used. Eligible states include: Alaska, California, Colorado, Hawaii, Idaho, Kansas, Oregon, Texas, and Washington. Contact us today for full details.