Robust in every sense of the word. The vast range of products coupled with our relentless pursuit for solutions provides the winning formula to meet each client’s unique and diverse needs. The product development teams at both Capstone Home Loans and American Pacific Mortgage are always looking to add new services to our portfolio.

Direct to Fannie Mae

Direct to Freddie Mac

Direct to Ginnie Mae


Keys on Time Guarantee

Mortgage Credit Certificate (MCC)

Manufactured Home Loans


  • Homebuyers Gift Advantage

  • Down Payment Assistant Program

  • Diverse Brokered Solutions

Delegated Jumbo to 2.5mm

203k Full and Streamline

Reverse Mortgages

*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.

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