OUR GUARANTEE
When using the JJ Mack Team at American Pacific Mortgage we have created a program for our clients looking to purchase a home and close on time or ahead of schedule. We realize that closing on time is a huge problem when buying a home with most banks. When using the JJ Mack Team, on the other hand, you can rest assure that our guarantee to get your keys on time is covered.
At American Pacific Mortgage, we are committed to helping HomeBuyers close their purchase contracts on time, and even ahead of schedule. And we will put our money where our mouth is, which means that if we don’t deliver, you get paid.
In today’s lending environment, most Realtors and Buyers have come to expect delays in the home loan process. It doesn’t have to be that way. Through our ‘Keys on Time’ program, qualifed borrowers will get a written guarantee and certificate to present with their home purchase offer. This pledge assures a seller that American Pacfic Mortgage will have your mortgage loan approved, and documents to escrow in plenty of time to meet your closing date.
This guarantee is rock-solid.
The program is quite simple. If you qualify as a borrower, and are using one of our most-common lending programs (most of our programs are included), then we will prioritize your loan in our system with ‘front-of-the-line’ status. If for any reason we don’t make it on time due to fault of our company (see full details), then we will credit you $895 at closing.
How fast can we close?
Depends on the transaction and client; but our AVERAGE closing time for loans in this program is under 21 days…and that’s CALENDAR days, including the appraisal! Yes, you read correctly, and that is average turn-times, which means that half the loans were done quicker. You won’t find this kind of speed anywhere else!
Is there a catch?
No, there isn’t. To qualify, you must have your current income & asset documentation on file at the start of the transaction, and there are certain timeline triggers for locking the rate, ordering the appraisal, and submitting to underwriting. Call me at 916-517-1800 for full details. If you are self-employed with multiple tax returns, own many investment properties, or have an unusually complex loan file, then you might not qualify for this program, however be assured that our average closing timeline for loans not in this program is just 26 calendar days!