Business Details
30 Years
experience
Your Trusted Mortgage Partner in Roseville, CA
Founded in 1996, American Pacific Mortgage has established itself as a leading national mortgage lender licensed in 49 states. With over 2,500 employees and 350+ branches, we combine cutting-edge technology with personalized service to deliver seamless homeownership experiences. Our team of dedicated Loan Advisors specializes in tailored solutions for diverse financial situations, including flexible documentation options and credit-challenged borrowers. Committed to community impact, we've donated $3.3 million and assisted 600,000+ individuals through APMCares initiatives.Our 137,000+ 5-star reviews and 4.96 average customer rating reflect our unwavering resolve to create experiences that matter. As industry innovators, we maintain strict compliance standards while advancing diversity and inclusion both internally and in the communities we serve.
Services
Home Loans
Refinance
VA Loans
Construction Financing
Mortgage Calculators
Details
- Year established: 1996
Highlights and features
- Founded in 1996 with 28 years of mortgage industry expertise
- Licensed in 49 states with 350+ branch locations nationwide
- 137,000+ 5-star customer reviews and 4.96 average rating
- Specialized loan programs for unique financial circumstances
- Committed to community impact through $3.3M+ in donations
What people say
Excellent Service
Fast, friendly
Creative solutions
Professional and friendly
Quick to respond
Services
Home Loans
Our home loan programs help first-time buyers, veterans, and experienced homeowners achieve their goals. We offer conventional, FHA, and specialty loans with flexible qualification criteria. Our Loan Advisors provide personalized guidance through the entire purchase process from pre-approval to closing.
Refinance
Refinance options include rate reduction, cash-out, and debt consolidation solutions. Our experts analyze your financial situation to determine if refinancing will save you money or help achieve financial objectives through lower payments or improved terms.
VA Loans
Specialized VA loan programs for eligible veterans and service members. We offer competitive rates and streamlined processes for VA purchases and refinances, honoring service members' sacrifices while making homeownership accessible and affordable.
Construction Financing
Construction financing solutions for custom home building projects. Our specialized loan programs cover land acquisition, construction phases, and permanent financing conversion. We work closely with builders and homeowners throughout the entire building process.
Mortgage Calculators
Interactive mortgage calculators help estimate affordability, payments, and savings. These free tools include home affordability calculators, refinance savings estimators, and payment planners to help borrowers make informed financial decisions.
People
Ned Payant
Chairman of the Board
Leads strategic objectives, organizational health, financial soundness, and culture preservation at American Pacific Mortgage since its founding. Drives long-term vision while maintaining core values of transparency and respect.
Dustin Sheppard
CEO & President
Responsible for revenue growth and production strategy. Brings extensive industry experience from previous roles as loan officer and production leader to enhance branch performance and customer satisfaction.
Marty Allred
Chief Compliance Officer
Oversees compliance with licensing, advertising regulations, and federal examinations. Ensures adherence to ECOA, HMDA, and fair lending practices while maintaining state and federal regulatory standards.
Prateek Khokhar
Chief Financial Officer
Manages financial operations including accounting, treasury, and payroll. Partners with leadership to develop strategic financial plans that support APM's growth objectives and lending platform expansion.
Michele Buschman
Chief Information Officer
Directs nationwide technology infrastructure and digital transformation initiatives. Focuses on enhancing mortgage technology platforms, data security, and software applications to improve operational efficiency and customer experience.
Questions
How do I apply for a mortgage loan?
Start your application online or contact a local Loan Advisor. We'll guide you through document submission, pre-approval, and closing processes with personalized support every step of the way.
What loan programs do you offer?
We provide conventional, FHA, VA, USDA loans, jumbo loans, home equity options, and construction financing. Our Loan Advisors help determine which program best fits your specific needs and financial situation.
Can I refinance my existing mortgage?
Yes, we offer rate-and-term refinancing, cash-out options, and debt consolidation solutions. Our team will analyze your current loan terms to determine if refinancing would benefit your financial goals.
How does your community involvement impact customers?
Our APMCares initiatives directly benefit customers through financial literacy programs, down payment assistance partnerships, and local community development that enhances property values in neighborhoods we serve.
What makes your mortgage process different?
We combine digital innovation with personalized service, offering both online convenience and face-to-face guidance from local experts to create tailored homeownership experiences that matter.
