jj mack Team
Trusted roseville
mortgage lenders
Expert mortgage advice, competitive rates and a smooth buying experience
PURCHASING A HOME
Buying a home can be stressful. Picking the right mortgage banker will be the difference in getting the best loan, with the lowest rates and fees, while being available on your hours.
REFINANCING A HOME
Are you looking to lower your interest rate and payment, shorten the number of years on your loan or remove that pesky mortgage insurance?
CASH OUT REFINANCE
If you are looking to get cash out of your home to pay off debt, make some upgrades to your house or just need some extra cash, we’d love to show you how.
We’ve got your back.
The JJ Mack Team with American Pacific Mortgage is one of the top mortgage lenders, with offices in Roseville, Sacramento, and Loomis, dedicated to helping you make the best home loan decision for your family. As a direct lender, we streamline the process by avoiding the delays and frustrations often caused by traditional mortgage brokers and big banks. Our team focuses on finding the right home loan solution for your unique needs while delivering a stress-free and enjoyable experience from start to finish.
What mortgage is right for you?
Whether you are ready to purchase, or refinance, the Loan Advisors at American Pacific Mortgage will help you choose the best mortgage that match your financial circumstances. We provide the options – you get the loan!
Where You Can Find Us
As trusted mortgage lenders in Roseville and surrounding areas including Sacramento, Rocklin and Loomis, the JJ Mack Team combines local expertise with nationwide reach. With team members across the country, we’re equipped to guide homebuyers through the mortgage process no matter where they’re located.
Meet Our Team
As trusted mortgage lenders with offices in Roseville, Sacramento and Loomis, we believe that educating our customers is the most important thing—and we take ownership of that every time we sit down or speak with one of our clients. Because of this, we’ve grown to become a household name. Even as we’ve expanded, we maintain a small-company feel where our employees enjoy coming to work every day. By combining innovative technology and devoted leadership with the greatest and happiest employees in the business, the JJ Mack Team fosters a culture of continuous innovation and growth.
A Proven Track Record of Success
Frequently Asked Questions
Q: How do CalHFA programs make homeownership more affordable?
A: CalHFA programs make homeownership more affordable by offering down payment and closing cost assistance, competitive interest rates, and special programs for first-time buyers. These benefits help reduce upfront costs and make monthly payments more manageable for California residents.
Q: Can CalHFA loans be used in Northern California cities like Roseville or Rocklin?
A: Yes. CalHFA loans are available throughout the state of California, including Northern California cities such as Roseville, Rocklin, Loomis, Lincoln, and Sacramento. Working with a local CalHFA-approved lender ensures you understand which programs best fit your area and budget.
Q: What are the steps to apply for a CalHFA loan through a local lender?
A: To apply for a CalHFA loan, start by contacting a CalHFA-approved lender like The JJ Mack Team. Your lender will review your eligibility, recommend the right CalHFA program, help you complete the required education course, and guide you through the loan application and approval process.