Non-Conforming Loans and Specialty Mortgage Products


Non-conforming loans and specialty products are designed to meet the needs of nontraditional borrowers. Below are some mortgage loan options that fit unique homebuying situations.

Bridge Loans by APM

A bridge loan is the perfect solution for someone buying and selling a home at the same time. Our bridge loans allow buyers to make a noncontingent offer on a new home without a sales contingency to sell their current property. This ensures that you won’t miss out on getting your dream home due to a sales clause. Borrowers also don’t have to liquidate their assets, retirement savings, or investments to access money for a down payment.

Manufactured Homes

We offer single- and double-wide manufactured home financing options up to 95% LTV on a primary or second home.

Investment Properties

We offer solutions for all types of investors, including borrowers who have a vision for transforming a home into a long-term investment but need flexibility with their financing. This includes flexible income and credit qualifying and jumbo financing solutions.


Condominiums offer many benefits for buyers, especially first-time homebuyers. Condos often are more affordable, require less maintenance, and come with community amenities that single-family homes can’t compete with. There’s also the possibility for owners to turn their unit into an investment if they decide to rent it out down the road.

Our team has access to programs that offer flexibility for various condo purchase scenarios, including foreign nationals, gift fund purchases, unlimited DTI with ample reserves, non-warrantable condos, delayed financing, and non-owner occupied purchases.


Contact Us

119 East Main Street
Visalia, CA 93291

NMLS #1842388


Brendan John Farrell
NMLS #294123
Licensed in CA


© 2021 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity. NMLS# 1850
Licensed by the Dept. of Business Oversight under the CRMLA