Receive FREE and accurate rate quotes from Brendan Farrell's nationwide network of trusted lenders.
This Free Purchase Assistant has been designed to help narrow down options based on your individual needs.
This Free Refinance Advisor has been designed to help narrow down options based on your individual needs.
Find Your Way Home with Brendan Farrell
Welcome. We’re the Brendan J. Farrell mortgage team, powered by American Pacific Mortgage (APM). Our office is located in downtown Visalia, California, and we proudly provide local mortgage expertise in Kings, Tulare, and Fresno counties, and throughout the state of California.
Our #1 priority is to provide clients personalized service, a hassle-free loan process, the most competitive pricing, and professional guidance on picking the perfect mortgage. We offer a variety of loan programs to fit the needs of our local communities and help homebuyers and homeowners navigate today’s market.
Whether you are purchasing your first home or forever home in Visalia, Porterville, Tulare, Woodlake, Exeter, Lemoore, or Hanford, California—or would like to refinance your existing loan or consolidate debt—our mission is to find your best financing solution.
RELATIONSHIPS MAKE ALL THE DIFFERENCE
Our team takes pride in building lifelong relationships with our clients and making you feel at home during the entire mortgage loan process. Our goal is to be your trusted mortgage advisor and team from your first home purchase to your last—and everything in between.
Our team has access to a full suite of loan products that will guide you through your homeownership journey. From down payment assistance programs, government loans, and jumbo loans to new construction and renovation products, the Brendan J. Farrell team has you covered! We also offer a full suite of non-conforming products that help investors, self-employed borrowers, borrowers with credit challenges, and so much more!
Brendan Farrell - American Pacific Mortgage specializes in the following Mortgage Loans:
TESTIMONIALS: MEET OUR HAPPY CUSTOMERS
"We started our search for a lender back in 2017 to buy our first home and when we found Brendan. Fast forward to 2022 and we have sought him out again to handle our refinance. Brendan has been nothing but a blessing for our family in guiding us through our home buying and refinance transaction. His knowledge and expertise with this type of business is beyond incredible. I’m sure he is one of the best in our community and I couldn’t imagine how busy he really is! Thank you Brendan for all you do for the people in our community!"
"Brendan and his team are amazing. He is extremely knowledgeable about the business and makes it very smooth and easy to understand the process. He has been a blessing to our family. He has become more than a lender, he has become our friend. I’m thankful Brendan was referred to my family. Thank you, Brendan and team, for being awesome at what you do!"
"It is always a pleasure working with Brendan! I’ve been a real estate agent for the past six years and appreciate Brendan’s professionalism and knowledge. He returns every phone call, and he ALWAYS goes the extra mile; when needed, several extra miles! After working together for several years, he has become a reliable, trustworthy friend, which is the highest compliment I can give. I hope to never need that one phone call, but if I do, I know he’ll answer!"
WHAT THE LOAN PROCESS LOOKS LIKE
Our mortgage loan process combines cutting-edge technology and the latest loan tools to process your home financing quickly and efficiently. It’s a stress-free process that comes with seamless communication and 100% transparency, so you’re always kept in the loop on the status of your loan.
These are the six steps we’ll take:
Step 1: You Talk, We Listen
We’ll meet and have a chat so we can learn about your financing needs, credit history, and expectations and explain what your available loan options are based on your situation. Then our team will help guide you in choosing the right mortgage and terms that fit your needs.
Step 2: Pre-Qualification and Approval
We move full speed ahead in preparing your application. This includes gathering as much information as possible upfront. We’ll then let you know what additional documents are needed, including tax returns, pay stubs, bank statements, and employment history.
If you’re buying a home, we’ve got a variety of tools that can help you make the strongest offer, like the APM TBD underwritten approval, our SecureLock™ program, and the Keys on Time™ guarantee.
Step 3: Appraisal and Underwriting
An appraisal is ordered once a property is identified. There are different appraisal requirements based on property type and financing terms—and we’ll walk you through this process. Our team handles the ordering of the appraisal report and collects any remaining documentation needed from you to submit your file to underwriting.
The underwriting process takes a deeper look at the information you’ve provided and the information about the property and will address any matters that need further clarification or documentation.
Step 4: Outstanding Documents Submitted for Closing
We will work to collect any additional documentation required by underwriting, as well as the third-party paperwork ordered on your behalf. Your whole package is then submitted to the underwriter for the “clear to close” on your loan.
Step 5: Underwriter Sign-Off
The underwriter reviews your loan, confirms that you have met all the conditions, and signs off on final approval. Your loan is now ready to close!
Step 6: Closing
Congratulations! Your closing is scheduled, your final paperwork is gathered, and you’ll get a final confirmation of the total funds needed for closing and a date to sign your final paperwork. Funding happens shortly after this time—for purchase transactions it’s usually one to two business days, and for refinancing transactions, three business days.