Tips About Credit Archives - Military Home Loans

We are a VA approved lender, not affiliated with the Dept of Veterans Affairs or any government agency.

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APPLY FOR YOUR LOAN TODAY

(619) 422-5900

Tips About Credit

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Tips About Credit

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If you are thinking about buying a home, it’s a good idea to know ...

Tips About Credit

How much seller credit should/can you ask for?

The infamous VA No-No You want this purchase to be: No down payment. No ...

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MILITARY HOME LOANS

16868 Via Del Campo Court,
Suite 100 Office 222 San Diego CA 92127

NMLS 1169242

(619) 422-5900

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© 2026 American Pacific Mortgage Corporation. All rights reserved.
This material is provided for informational purposes only and is not guaranteed to be accurate or complete. The programs described may not include all available options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. Refinancing may result in higher total finance charges over the life of the loan. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Certain products may not be available in all states and restrictions may apply. Please consult your loan advisor for complete details. Equal Housing Opportunity. www.apmortgage.com

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

EQUAL HOUSING OPPORTUNITY
Military Home Loans, 16868 Via Del Campo Ct,
Suite 100 #222 San Diego CA 92127
619-422-5900
NMLS #1169242
Licensed in AZ, CA, FL, ID, MT, NC, OR, TN, TX, VA, WA, WY

Operating as Military Home Loans in AZ, CA, FL, ID, MT, NC, OR, TN, TX, VA, WA, WY
Licensed by the Dept of Financial Protection and Innovation under the CRMLA

AZ BK 0906702

CA DRE #01215943

NV MB 164

Not Available in New York

Licensed under the Oregon Consumer Finance Act

-Not Available in New York

https://www.apmortgage.com/privacy-policy

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

“NMLS consumer Access” with the following link: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1850

“Accessibility Statement” with the following link:https://apmc.sharepoint.com/sites/advertising/Shared%20Documents/Forms/AllItems.aspx?id=%2Fsites%2Fadvertising%2FShared%20Documents%2FAPM%2DAccessibility%2DStatement%2Epdf&parent=%2Fsites%2Fadvertising%2FShared%20Documents

*This does not include a denial issued after the pre-approval that is based on changed circumstance including quitting your job. getting laid off. losing your income, property issues from appraisal or inspection, or negotiation issues with the other party. The program is valid only if: ll The Borrower provides MHL with complete and accurate information for the loan application at the time of pre-approval. 2] The borrower provides MHL with all additional required information/documentation during the loan approval. The program is NOT valid if: ll The borrower changed loan products or terms. 2] The loan denial is due to the borrower's actions. omissions or delays that change their circumstance. or is due to those of an unaffiliated third party. 3] The borrower's application of loan documentation contains fraudulent information or material misrepresentations. 4] Anything else in the home purchase process causes a termination of the contract including seller issues, appraisal issues, or inspection issues.

**The close on time program does not include any undue delays in Military Home Loans receiving requested items to close from either party. The program does not include any unforeseen delays due to repairs, negotiations, or 3rd party delays. VA joint loans do not qualify for the 28 day close program. The 28 day countdown starts from the date the fully executed ratified purchase agreement is received by Military Home Loans with all addendums. Valid only for VA loan purchases in the state of AZ, CA, FL, ID, MT, NC, OR, TN, TX, VA, WA, WY. Not valid for any other loan program. This program is not assignable or transferrable and we reserve the right to withdraw. terminate. or amend this program at any time without notice except when eligibility for the program is reached prior to our withdrawal. termination or amendment. Should you qualify to receive a payment, the check will be mailed to your home address within 10 days of your loan denial. Any payment we make may be reported to the IRS on a Form 1099-MISC.

***Finance charges may be higher over the life of the loan. Consult with your loan advisor for details.

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

†1. Eligible on VA purchase loans in AZ, CA, FL, NC, OR, TN, TX, VA, WA, WY | 2.©2026 American Pacific Mortgage Corporation. All rights reserved.
This material is provided for informational purposes only and is not guaranteed to be accurate or complete. The programs described may not include all available options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. Refinancing may result in higher total finance charges over the life of the loan. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Certain products may not be available in all states and restrictions may apply. Please consult your loan advisor for complete details. Equal Housing Opportunity. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act We are a VA approved lender, not affiliated with the Dept of Veterans Affairs or any government agency. 3. Lender credit dependent on loan size. Maximum lender credit $10,000. Minimum lender credit $1,000. Lender credit increases by $1,000 with every increase of $100,000 to loan size. Contact Military Home Loans for more details.