Don’t let home ownership be simply a dream. Make it your realtiy. We work with you to understand your goals, develop a plan and guide you with actionable steps to make this dream – a reality! Don’t wait. Start today!

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Home Buying Guide


It can be overwhelming when you start thinking about buying a home – How do I get started? How much do I qualify for? What program should I use? This is where we shine! American Pacific Mortgage is committed to walking you through the entire home buying journey – from setting up your buying plan, to working on your loan behind the scenes, and getting you in that new home. We aim to leave you feeling informed, confident and successful.


Do I need to refinance? Does it make sense? How much is it going to cost me? All valid questions! American Pacific Mortgage is here to help find answers and options for you!  Whether you are looking to take cash out on the equity of your home or to reduce your monthly payment – we will review your current mortgage,  identify your goals and guide you on your options – including whether a refinance makes financial sense at this time.



American Pacific Mortgage takes the time to guide you through every step of your journey to owning your own home. So what now? 
Start the conversation! Whether you give us a call, shoot us an email or submit your application – getting an idea of your goals, needs and finances is the first step to your home buying journey. 
5 Stars once again with the exceptional service and knowledgeable team from American Pacific Mortgage. I do not need to compare with other companies, they are simply the best. 
Daniel O. - Loyal Customer (via Yelp 4.27.21)
Greg and his team are fantastic!…He always above and beyond to assure [my clients] not only understand the process but really educate them about mortgage types, taxes, and everything else in between. He has never disappointed…
Lucy O. - Realtor (via Yelp on 10.14.20)
Thad was great to work with. He kept me informed during the process and answered questions quickly. He let me know what was happening and when. This was my first refi and he came highly recommended. Have recommended him to others as well. It was very painless as I didn’t know what to expect. Thanks for the great service Thad!
Mona S. - New Client, Home Refi
Greg swooped in to save the day after our first lender turned out to be a dud. We only had a week and a half left to close! Greg was able to work so efficiently and quickly that our new closing date was only one day later than it originally was. He is a rock star! On the day of signing, he explained everything so clearly. He made a daunting process flow smoothly.
Jennifer E. - First Time Home Buyer
We get to the heart of the matter
so you clearly understand how we
should work towards your goals.
We know that what we do matters. 
Your time, your resources & your dream of home ownership is important to us.
We are proactive in seeking solutions
& work to do what it takes to make
sure you reach your goal.


Download our mobile app with a simple click and become instantly connected through your whole buying journey.
With access to our unique mortgage calculators, secure doc scanning & with our ability to send you updated Pre-Approval letters on the spot – you can now move with ease from anywhere!
Journey through the buying process knowing when you have achieved the major milestones of  your loan, with real-time updates.


Working With You on Your Home Buying Journey

GREG ABRAMS – Branch Manager

NMLS #225908 DRE #01410633
While crafting his expertise over the past 18 years Greg finds ways to expand his knowledge to benefit his borrowers. His wife, Sarah, and twin 5-year-old daughters, Reagan & Paxton, find enjoyment in traveling – both within the states and overseas – outdoor activities – swimming, sports, nature and whatever other fun is to be found. Want to be in touch? Email at 


JIM ABRAMS – Loan Officer

NMLS#227728 DRE#00594753
Jim has a lifetime of experience as he has served in the industry  since 1976. With this experience, partnered with his honest and ethical practices Jim is confident in  achieving his borrowers goals. Personally, he enjoys playing golf and traveling to new locations and old favorites with his wife, Laurie. Want to be in touch? Email at 


THAD KING – Loan Officer

NMLS#227728 DRE#00594753
Having served in the industry since 1985 Thad has experienced the many changes and cycles of the mortgage journey – which benefit those buying their first home or their dream home. Thad is able to help find options to match the various home buying scenarios – working to meet each need.    With a passion for cycling, fly fishing and other outdoor activities, Thad keeps himself busy both locally and with travels. Want to be in touch? Email at 


CARLOS F. LOPEZ – Loan Officer

NMLS #634397
Carlos grew up in Ventura Co., with schooling at Moorpark College and Cal Lutheran in finance. His background in insurance, banking and finance and is eager to learn the mortgage side of finances.  He is engaged to be married!! Has one daughter & another on the way! In addition to spending time with his family, Carlos enjoys the outdoors – hiking the many trails throughout the county and finding the hot spots for surf. Want to be in touch? Email at 


ASHLEY ELLIS – Loan Processor

Ashley joined the APM Team in 2013 as a loan officer  assistant & now serves as Loan Processor. Each day provides new experiences with clients and the team, and it keeps her moving! She has traveled in and out of the United States & her weekends  are often  filled with seeing some of her favorite country music artists.  Want to be in touch? Email at 

SARAH ABRAMS – Office Manager

Sarah has gained & developed many skills through her life experiences & work in the non-profit sector. Joining The team in 2016 Sarah  serves us through creativity & design and building lasting relationships within the community. Travel is something that she has always enjoyed and now shares with her husband, Greg, and their two daughters. Want to be in touch? Email at 

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