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At American Pacific Mortgage, our vision is to be the best retail mortgage lender in America. We pride ourselves on earning our client’s respect and trust by providing them with exceptional services, offering them some of the most competitive rates in the industry, and always acting in their best interest. We believe that our commitment to our customers and our community is the cornerstone of our success. Kathie Garnier, American Pacific Mortgage in Susanville, Califorina commented, “This beautiful corner of Northeastern California has been my home for many years, yet I will always remember the excitement and concerns of my first home purchase. With that in mind, I approach each transaction as if it were my own and make personal, efficient service my top priority.” When you are ready to become a first-time home buyer, we are here to help you through the entire process. We can provide clear instructions, easy steps to follow, and no surprises. We want to educate you about the mortgage process and guide you through to a quick, hassle-free close. Let us simplify the mortgage process for you. Together, we will explore your home loan options, look at the steps you need to be pre-approved, and advise you on the process and available options for first-time home buyers. When you’re ready, we will be sure that you are pre-approved so you can be ready to make the strongest offer when you find your perfect home. Get pre-approved with our Key On Time program and shop tor a home with confidence knowing you have preliminary approved financing. It will help you to beat out other bidders, as a seller knows you have already been pre-approved for financing. Our Community Star Loan program offers a $500 reduction of underwriting fees on VA, FHA, and Conventional Loans for our Community Stars:


*Teachers – Currently full-time employed in a public/private school, and holding an appropriate teaching credential.

*Police – Currently full-time employed with city/county.

*Fire Fighters/First Responders – Currently full-time employed with city/county/sheriff/law enforcement.

We appreciate the service you provide to our community, and look forward to making your home purchase a positive experience! Whether you are buying your first home, an investment property, or building the home of your dreams, American Pacific Mortgage will confidently and thoroughly assist you the entire way from approval to closing. American Pacific Mortgage Is located at 2301 Main Street Susanville, CA 96130. Or visit the on the web at Phone: 530.257.6991 NMLS #1169500 Licensed in CA