Specialty Programs

STaR Loan Program

A mortgage program dedicated to saving our selfless teachers, first responders and correctional officers a little money on their home loans. Current full-time employed teachers, police, firefighters, and correctional officers are eligible for our STaR program.

• Save up to $795* in reduced Lender Fees for qualified Teachers, First Responders, and Correctional Officers

• Gift fund options available which can be used for 100 percent of the home purchase down payment

• Take advantage of lender paid mortgage insurance options to reduce your monthly mortgage expense

• Gain peace of mind with a one-time interest rate renegotiation option, if rates improve prior to your closing docs being drawn

Borrower Qualifications

Keys on Time Guarantee

Welcome to the 20-day Close with your offer backed by the purchasing power of a full loan approval.

Our Keys on Time program will help your purchase offer stand out in a competitive market because we will work with you to get full underwriting loan approval to ensure your loan will close on time, even if you have not yet identified the property. We are 100% committed to owning what it takes to get your loan funded on or before the close of escrow. If your loan does not close on time, we will credit you $895 in closing costs.*

You can combine Keys on Time with our SecureLock program to have the security of a locked in interest rate even prior to making a purchase offer.

• Over 90% of owner-occupied homes qualify

• First-time and move-up homebuyers are eligible

• Single-family, condos, investment, second-homes

**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.

Secure Lock Program

Lock your rate and secure peace of mind. With our SecureLock program, you can lock in today’s competitive rates while you shop for a home, sell your home, or while your home is under construction. You can also take advantage of a one-time float to market if rates improve prior to signing your loan documents. If rates go up, you are secure!

*To qualify for this 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. 

Bridge Loan Program

Our Bridge Loan programs can help you purchase a new home before your existing home is sold. If a seller is unwilling to consider purchase offers with sales contingencies, we have two programs to choose from:

Peak Loan Program

Our Peak Loan program allows you to buy or refinance a home up to $3M. The loan terms can even be extended to 40 years, with the first 10 being interest-only payments.

Expanded Access Program

With our Expanded Access program, we have opened the doors to borrowers who need access to financing but don’t “fit” the standard agency or jumbo program guidelines.

The Expanded Access program provides financing options for borrowers that have difficulty documenting their income, or have debt-to-income (DTI) up to 50% (or even 55% on an exception basis).

Expanded Access also provides options to borrowers with a recent credit event such as a short sale/foreclosure or a mortgage late. Expanded Access offers fully amortizing fixed, ARM and interest only ARM options to facilitate financing on primary, second home and investment properties.

Investor Advantage

Income Property Financing Just Got Easier. If you are looking to purchase your next investment property or refinance one you already own, our Investor Advantage loan program will get the deal done.

Dream Home Renovation

If you can dream it, you can make it a reality. With our Dream Home Renovation program, you can buy the property that needs some renovation. Save time and money by financing the purchase with the cost of the repairs included in your mortgage.

Create your own dream home by financing a loan based on the future assessed value of the home.