What is an Energy Efficient Mortgage (Green Mortgage)? Are you looking to buy a home or upgrade your current property in Johnson City, TN, while lowering your utility bills? An Energy Efficient Mortgage, also known as a Green Mortgage, might be the perfect solution. This specialized loan allows borrowers to finance the cost of energy-saving improvements …
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The Hidden Cost of the National Mortgage Mill Machine If you have ever tried to secure a home loan through a massive national call center, you already know the frustration. In 2026, the real estate market moves faster than ever, and relying on a faceless national mortgage mill can cost you the home of your …
Why Standard Online Mortgage Calculators Fail Johnson City Buyers When planning to buy a home in Johnson City, TN or the surrounding Tri-Cities area, many prospective buyers turn to standard online mortgage calculators. However, these basic tools often overlook the true cost of homeownership, leaving buyers vulnerable to unexpected affordability challenges. At The Arrowood Team, we …
The $5,000 Closing Guarantee in Action: Your Competitive Advantage in the Tri-Cities Market How a Strong Pre-Approval Wins Multiple-Offer Scenarios The real estate landscape in Johnson City, TN and the broader Tri-Cities market is more competitive than ever. When you find your dream home in Northeast Tennessee or Southwest Virginia, you need more than just a standard pre-qualification letter …
Closing in 21 to 30 Days vs. the National 45 Day Average: Our Predictable Process Why Speed Matters in the Johnson City Real Estate Market In today’s competitive Johnson City, TN real estate market, a fast closing can be the difference between securing your dream home and losing out to another buyer. While the national …
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NMLS CONSUMER ACCESS LINK: NMLS #1850
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© 2024 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.
Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.
Not available in New York. Licensed as Preferred Rate in AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OK, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in NV. AZ BK 1014819. CA #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 164. Licensed under the Oregon Consumer Finance Act. OK MLO13426.
Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – 555 West Monroe Street, 5th Floor Chicago, IL 60661 | (888) 473-4858
Licensed by the Dept of Financial Protection and Innovation under the CRMLA.
The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.” (Source: P.A. 101-657, eff. 3-23-21.)
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV
