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The Pros and Cons of Adjustable-Rate Mortgages in California’s Current Market blog image

by JJ Mack | Aug 11, 2025

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American Pacific Mortgage a Division of American Pacific Mortgage Corporation NMLS #1850; DRE 01215943
www.apmortgage.com

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Licensed by the Dept of Financial Protection and Innovation under the CRMLA

Licensed by the Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304

Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.

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Texas Mortgage Banker Disclosure
Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker 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 mortgage banker residential mortgage 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.

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© 2022 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.