• 			    No matter what type of loan you need, we're with you every step of the way.

    No matter what type of loan you need, we're with you every step of the way.

  • 			    The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.

    The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.

  • 			    REFINANCING is easy with our professionals' help.

    REFINANCING is easy with our professionals' help.


Helping Homeownership Dreams Become Reality

Client Satisfaction is my # 1 goal! Whether you are purchasing your first home or your tenth I want you to know you will be  treated with the utmost respect. My goal is to provide a competitive rate and exceptional service for your purchase or refinance needs. 

Did you know that it is currently a Seller's Market and local housing inventories are extremely low? Now more than ever, you need a great Strategy to get your offer accepted. I am here to help! I know what it takes to get your offer accepted in this tough buyer's market. Dont  gamble with a Lender that doesnt return your calls right away. You need someone that will be in the trenches with you, and that will give you the best opportunity to get your offer accepted. I dont want you to miss out on buying the home you have your heart set on. Please call so I can set up an appointment and go thru the strategies to help you!!

I am pleased to announce I now have two locations to better serve you: Sacramento & Roseville. I also make in home appointments upon requests.

Please call for an appointment today. (916) 804-4157

Here's what my clients are saying:

 We are now offering FULL CREDIT APPROVALS on "To Be Determined" properties with our "Keys on Time" Guarantee.*
This will give your purchase offer the competitive edge so the seller can accept your offer with confidence that you are able to buy and close on time! ON APROVED CREDIT LOANS                                                              



* Not available in Oregon*The “Keys on Time” program is a limited guarantee that APMC will provide a credit to the borrower of $895 after the close of escrow if, due to some fault on the part of APMC, its originators or other APMC staff, a purchase transaction does not close until a date after the originally stated close of escrow date. The “Keys on Time” limited guarantee does not apply if the purchase transaction fails to close on or before the anticipated close of escrow date due to events/circumstances beyond APMC’s control, including but not limited to, delays caused by: an unacceptable or unexpectedly low appraisal value on the subject property, acts or omissions by the escrow or title company, second lien holder approvals, short sale approval, or loan conditions imposed by the lender that, despite reasonable diligence by APMC, are not met by any party in a timely manner. The “Keys on Time” limited guarantee trigger begins when the initial loan package is received by APMC’s Fulfillment center. The complete loan package must be received in the APMC Fulfillment center a minimum of 20 days prior to the COE date. Exclusions: The limited guarantee does not apply to the HARP program, reverse mortgages, FHA 203k, non-delegated jumbo products or any loans that require prior approval from an investor. The limited guarantee applies to purchase transactions only. This guarantee information is to inform the real estate industry only and is not to be provided to consumers. All programs are subject to borrower and property qualifications. Rates, terms, and conditions are subject to change without notice.

Sacramento & Placer County VA,FHA,Cnvl, Jumbo and Down Payment Assistance Home Loans

Welcome to the official site of Dennis Bergstrom at American Pacific Mortgage Corp. We are a full service mortgage company.  We specialize in VA, FHA, Conventional, Jumbo, and Down Payment Assistant Loans in Sacramento & Placer County.  We also serve the surrounding cities of Antelope, Rocklin, Lincoln, North Highlands, Citrus Heights, Sacramento, Elk Grove, Loomis, Auburn, Penryn, Granite bay, Folsom, Newcastle, Carmichael, Natomas and Fair Oaks.  Whether you are buying a home or refinancing we can help you realize your dream of home ownership, or help you save money by obtaining a new lower monthly payment. We can also convert a 30 yr mortgage to a 15 yr mortgage so you pay off your loan sooner. In terms of Purchase Loan Programs, we offer the following: 

FHA | FHA 203k | VA | Conventional | CalHFA | Jumbo

Refinancing? We can help you with that, too! 

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, debt consolidation or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs.

FHA Streamline | FHA Cash Out | VA Streamline | VA Cash Out | USDA Streamline |

Comnventional | Harp | Jumbo

Contact Dennis Bergstrom at American Pacific Mortgage Corp today to discuss your options, and find out which program will best suit your needs. (916) 804-4157

 Its my goal to lay out your best path for home ownership thru the appropriate mortgage products that would work best for you. I offer solutions so you can have the safety and security of owning your own home.

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Recent Articles

Smart Ways to Beat an All-Cash Offer
Money talks when it comes to making an offer on a home, and in real estate, all-cash offers are big talkers. But what if you don't have an all-cash offer? Does that mean your out of the running for buying your dream home? Not at all! Though all-cash offers are enticing to home sellers, there...
Simple Ways to Lower Closing Costs
Closing costs are the fees you pay at the closing of your home loan. The amount will vary and includes a combination of appraisal, inspection, title, and administrative costs such as those from your loan officer or broker. When you apply for a loan, you'll want to ask about the closing costs....
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Which is Better: Loan Modification or Refinance?
A loan modification is different from a refinance. Loan modifications work by changing the terms of your original loan. These changes can be temporary or permanent, depending on the type of modification. A refinance, on the other hand, is a new loan with all new terms. It would take the place...