I highly recommend using Brittney as your Loan Officer. Her attention to detail was impeccable and…read moreshe was also easy to reach at anytime to answer all my questions. She walked me through every step of the process and explained it all to me so I could understand the process better. Thank you Brittney for your 5 Star Service

From the owner: I am able to help you find the mortgage products that are right for you. Whether you are looking to…read morepurchase a personal residence, 2nd home, or investment property, or if you need to refinance an existing mortgage, I can help you find the product that suits your needs and circumstance. We offer Conventional, FHA, VA, USDA, Jumbo, Down Payment Assistance and Specialty products, and I am prepared to help you find a loan that is right for you. American Pacific Mortgage NMLS 1850 Equal Housing Opportunity www.nmlsconsumeraccess.org

To: Whom It May Concern…read more From: John Warner Topic: Mortgage Processing with JP Morgan Chase (Big Bank) vs. a Reputable Mortgage Bank My wife, Kathy and I, decided to buy a condo in Redington Shores, Florida since one of our daughters lives in St. Petersburg and we have no reason to stay in Dublin, Ohio in the winter. I was going to pay cash for the condo, as we have for our other 2 homes, but the Real Estate company that I invest in reminded me that they pay 10% and I could get the loan for about 4%. Without thinking, I went to JP Morgan Chase where I bank and have a preferred "Private Banking" relationship. What I discovered during the process should NOT be repeated by anyone. These points, as I found out, apply to most or all multidiscipline large banks. Major Points of the Process Included: * An inordinate number of arcane rules in addition to stifling interpretation of regulatory rules such as Dodd-Frank, etc. * As an example, I receive about $800K a year from my investments. I don't usually pay taxes unless they sell and I end up with capital gains taxes. Even my real estate holdings have sold at about 2X and cover my capital gains with gains in cash and equity to re-invest. Chase said "we don't recognize revenue unless you pay taxes on it". All of my income was non-taxable but shows up on my K-1's as capital distributions. As a result, with a multiple of 8 digits in net worth and 800+ credit rating, they decided that they could only lend me 65% of the purchase price. * In addition, I set up an LLC and had that wholly owned by a revocable living trust to keep anonymity over the purchase. * Because this is not their main business, I ended up dealing with 9 groups at Chase including 2 attorneys, the mortgage banker, 4 levels of underwriting and approval, the actual system processing group (for whom I had to help fix a bug in their system) and yet another level of QA in the process. This resulted in: o 9 delays in the closing date o Extremely displeased sellers who threatened to back out and go with another offer o Additional personal expense and frustration with process o A .05% interest rate increase associated with the delays and market rates o Groups who asked for the same information, did not communicate with each other, had different assumptions, and, in short were purely dysfunctional in this process o At one point I said "This process was more painful that my father's funeral" and I meant it. What I would suggest to any one in need of a mortgage loan, is working with a highly reputable, single discipline Mortgage Bank, period. Their only business is the origination and funding of mortgages and their reputation and future is completely based on the client's satisfaction, BBB rating, reviews, etc. Let's Look at Guaranteed Rate https://www.guaranteedrate.com. As pointed out below they are a top 10 lender nationwide with an A+ Better Business Bureau review and a 95+% Customer Satisfaction Rating. These numbers are incredible for a mortgage banker. If you look at the reviews, this is their total business and their process is streamlined, easy and professional. I chose them for this comparison because of their rating and Wikipedia.org's glowing review: Awards and accolades[edit] * Guaranteed Rate recognized as one of the most successful private companies in the U.S. for a fifth consecutive year by Inc. Magazine * Guaranteed Rate named a top private U.S. job creator by Inc. Magazine * Guaranteed Rate ranked as a top workplace by the Chicago Tribune in 2012, 2013, 2014 and 2015 * Guaranteed Rate was named the Lender of the Year by Chicago Agent Magazine * Founder and CEO, Victor Ciardelli, III was named an Ernst & Young Entrepreneur of the Year Award winner in 2012 * Better Business Bureau A+ Rating * Guaranteed Rate wins Moxie Award For Best Corporate Digital Innovation 2013 for Guaranteed Rate's Online Mortgage App Furthermore, if you look at Today's rates, Guaranteed Rate can meet or beat JP Morgan's rates and do it in 1/3 the time and with an infinitely simpler and easier process. If you want more proof, talk to any Realtor. I have since talked to a few and they all tell me the same thing. Sincerely, John T. Warner

My wife and I first worked with Alan and Teresa at Landmark Mortgage back in 2012 when we purchased…read moreour first house in Florida. Since then they have helped us with a refinance, another purchase, and a sale. I've dealt with several lenders in the past and I can say with 100% certainty that you will not find an easier group of people to work with. They are extremely timely and responsive, give great advise, and have been a great resource for us over the years. No way we'd go anywhere else for home or property financing in the future!

We worked with Vincent Palmieri at Professional Mortgage to do a refinance Sept of 2011. He was…read moregreat. Gave us the most competitive rate from the 5 brokers/banks we got quotes from. Helped us through the paper work. But the BIGGEST help, in the process found out that the title company didn't get satisfaction of mortgage from the prior owners bank(s) when we first bought the house. We bought the house as a short sale, so things got very messed up. One of the banks with the construction loan was now defunct (or something like that). The prior title company was of no help. Vincent tracked down the right people, a VP from the bank with the outstanding loan, and got the satisfaction of mortgage so that we could close on our loan before our lock expired.