Expedient Mortgage a division of American Pacific Mortgage NMLS# 1850

3000 Lava Ridge Court #200
Roseville, CA 95661

(210) 738-2244


Types of Home Loans


A Federal Housing Administration (FHA) Loan is the easiest home loan to qualify for, with a low downpayment and flexible loan options this may be your best loan option. Here is some information on FHA home loans:

  • Typical first-time homebuyer loan

  • Lower down payment 

  • Lower minimum cash to close

  • Seller can contribute up to 6% towards your closing costs

  • Debt to income thresholds are higher


Conventional Loan products are ideal for borrowers with excellent credit. An advantage to conventional loans is the lack of an upfront mortgage insurance fee, even if you put less than 20 percent down. 

  • Can be used for residental or investment

  • 3-5% down payment options available

  • PMI- (private mortgage insurance) required on loans with less than 20% down

  • Must have a minimum credit score of 640


VA Home loans are designed for the men and women who have served this country, if have served or are currently serving out country this is a great home loan option. Let us pull your certificate of eligibility and determine how much house you qualify for.

  • No down payment

  • All closing costs can be paid by the seller

  • Flexible credit requirements

  • No private mortgage insurance (PMI)

  • Veterans can use their bonus entitlement to purchase additional homes


  • USDA

  • Renovation/ Rehab Loans

  • Jumbo Loans

  • Construction Loans 

  • Refinances

  • Down Payment Assistance Loans

All Loans are subject to underwriting or investor approval.  Other restrictions may apply. 

This is not an offer of credit or a commitment to lend.  Guidelines subject to change.