American Pacific Mortgage

Business Details

Your Trusted Mortgage Partner in Hillsboro, OR

American Pacific Mortgage has been serving the financial needs of homebuyers in the Pacific Northwest since our establishment. Located in the heart of Orenco Station, Hillsboro, Oregon, we specialize in providing tailored mortgage solutions to meet diverse client needs. Our team of licensed professionals holds extensive expertise in fixed-rate and adjustable-rate loans, refinancing opportunities, and reverse mortgages for senior homeowners. As active members of the Hillsboro Chamber of Commerce and local business organizations, we prioritize community engagement and ethical lending practices.

Our streamlined application process combines technological efficiency with personalized guidance to simplify the home financing journey. With licensing across Arizona, Oregon, Washington, and Texas, we maintain a strong regional presence while adhering to strict compliance standards through our NMLS-certified operations. Our commitment to accessibility and customer education is demonstrated through comprehensive resources and transparent communication at every stage of the lending process.

Services

Home Loans Refinancing Options Loan Programs Reverse Mortgages Loan Process Guidance

Highlights and features

We provide personalized mortgage solutions tailored to individual financial situations
Our team maintains active licensing across four states with NMLS certification
We offer specialized reverse mortgage options for senior homeowners
We combine local market expertise with national compliance standards
We provide accessible resources and transparent loan process education

Website

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Services

Home Loans

We offer comprehensive home loan solutions including fixed-rate and adjustable-rate mortgages. Our experienced team guides clients through the entire lending process from pre-qualification to closing. We provide personalized financing options tailored to individual financial situations while maintaining strict compliance with state and federal regulations across multiple jurisdictions.

Refinancing Options

Our refinancing services help homeowners optimize their mortgage terms through rate-and-term refinancing and cash-out options. We evaluate each client's unique financial goals to determine the most beneficial refinancing strategy. Our process includes detailed analysis of current loan terms, market conditions, and long-term financial implications to ensure informed decision-making.

Reverse Mortgages

We specialize in reverse mortgage solutions for homeowners aged 62+. Our counselors explain eligibility requirements, payment options, and financial implications. This service provides qualified seniors with flexible access to home equity while maintaining ownership. We ensure complete understanding of all regulatory requirements and long-term considerations associated with reverse mortgage products.

Loan Programs

We offer diverse loan programs including conventional, FHA, VA, and USDA loans. Our experts help clients navigate program requirements to find the best fit for their circumstances. Each program is explained in detail regarding down payment requirements, credit score considerations, and eligibility criteria to help clients make informed financing decisions.

Loan Process Guidance

Our streamlined loan process includes pre-qualification, document preparation, underwriting, and closing assistance. We provide checklists and timelines to ensure smooth transactions. Our team maintains clear communication throughout the process, explaining each step and requirement while addressing client questions promptly to facilitate successful loan completion.

People

Kimberly Barry

Branch Manager, Mortgage Banker

NMLS #53711 with extensive experience in mortgage banking across multiple states. Licensed in Arizona, Oregon, Washington, and Texas, Kimberly provides expert guidance through complex loan processes while maintaining commitment to community service and ethical lending practices.

Chris Barry

Senior Loan Officer, Mortgage Banker

NMLS #234461 with specialized expertise in Oregon mortgage markets. As a senior loan officer, Chris offers personalized financing solutions and detailed market insights. He maintains active licensing in Oregon and participates in local business organizations to support community development initiatives.

Questions

What mortgage loan options do you offer?

We provide fixed-rate mortgages, adjustable-rate mortgages, reverse mortgages for seniors, and specialized loan programs including FHA, VA, USDA, and conventional loans across multiple states.

How can I determine what home price I can afford?

Our pre-qualification process helps establish affordable home price ranges based on your financial situation. We analyze income, debts, credit score, and down payment capacity to provide accurate affordability assessments.

Do you offer refinancing services?

Yes, we offer comprehensive refinancing options including rate-and-term refinancing and cash-out refinancing to help homeowners optimize their mortgage terms and financial position.

What documentation is required for a mortgage application?

Standard requirements include proof of income, tax returns, bank statements, identification, and property information. Our loan officers provide detailed checklists tailored to your specific loan program and financial situation.

Are you licensed to operate in multiple states?

We maintain active licensing in Arizona, Oregon, Washington, and Texas through our NMLS-certified operations, ensuring compliance with state-specific regulations and requirements in each jurisdiction.

What is the difference between pre-qualification and pre-approval?

Pre-qualification provides initial affordability estimates based on self-reported information, while pre-approval involves thorough verification of financial documents and demonstrates stronger buyer credibility to sellers.

Reviews (5)

Write a Review

R. Goodman

Dec 14, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
I could not have asked for a better experience. Chris was always available to answer my questions. He explained everything so I knew what to expect. Highly recommended.

Srini Pendyala

Nov 26, 2021 Report

I worked with Ram Tadepalli for our property and I am completely amazed by the service Ram did for us. I was referred to American Pacific Mortgage Corporation and they have kept their promise in processing the loan and other paperwork smoothly. I would definitely recommend Ram and APMC for mortgage needs. It has been my pleasure working with you Ram.

Jo Ryan

Nov 16, 2021 Report

Chris is the best! I always felt like he had time for me and knew what was going on with my situation. He was patient, helpful, and made everything very easy!

Lana Kosik

Nov 02, 2021 Report

"As a Realtor who has been working with the Chris Barry team for over 15 years, I am so grateful for them as they consistently WOW my clients and I! Not only is this team of experts extremely responsive, knowledgeable, and creative, they're also really great at explaining the mortgage loan process step by step. Due to clients' busy work schedules we've recently taken to setting up initial collaborative consultations via zoom which with people's busy schedules has been truly welcomed. You will find this team so down-to-earth making them so easy to communicate with.They always take the time to really

Stepan Zubarev

Oct 23, 2021 Report

Thank you for helping us get our first house!
Chris was a pleasure to work with. Attentive, detail-oriented, and extremely responsive. Although, just like most, we had our moments of doubt, Chris and APM pulled through on our FHA mortgage. Again, thank you for making a vision become reality!