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KEYS ON TIME

  How confident are you that your home purchase loan will close on time?

What if you could present a Seller with a Certificate that you could get a mortgage loan to closing in order to buy their home in as little as 21 days or even less?

... Now you can.

At Usher Financial Group/American Pacific Mortgage, we are committed to helping Home Buyers close their purchase contracts on time, and even ahead of schedule.


In today's lending environment, many 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, qualified borrowers will get a certificate to present with their home purchase offer. This pledge assures a seller that American Pacific Mortgage will work diligently to meet your closing date.

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, the borrower, with $895 at closing.

How fast can we close?

Depends on the transaction and borrower ... but for the last 4 months our documents are in Escrow 8.5 days on average before the contract close date...and that's CALENDAR days, including the appraisal.
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. There are certain timeline triggers for locking the rate, ordering the appraisal, and submitting to underwriting. Call us at 503.595.1600 for full details. If you 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 under 30 calendar days ...
To find out if you qualify, please call us at 503.595.1600

Keys On Time is not available in Oregon,

but ask us about alternatives. 

Keys on Time is available in WASHINGTON and CALIFORNIA

Share this with your Realtor! When they present your offer this could make all the difference if you are competing with multiple offers for the same home.

Keys On Time

We are a purchase focused company that prioritizes and streamlines all purchase business.

We strive to close all transactions on time.  If the loan does not close by the scheduled closing date, the $895 Underwriting fee will be waived for this client.

* The “Keys On Time” program is NOT available in Oregon.  Available in Washington and California, we will provide a credit to the borrower of $795 after the close of escrow if, due to some fault on the part of APMC, its originators or other APMC staff, a purchase transaction does not close until a date after the originally stated close of escrow date. The “Keys On Time” pledge does not apply if the purchase transaction fails to close on or before the anticipated close of escrow date due to events/circumstances beyond APMC’s control, including but not limited to, delays caused by: an unacceptable or unexpectedly low appraisal value on the subject property, acts or omissions by the escrow or title company, second lien holder approvals, short sale approval, or loan conditions imposed by the lender that, despite reasonable diligence by APMC, are not met by any party in a timely manner. The "Keys On Time” pledge begins when the initial loan package is received by APMC’s Fulfillment center. The complete loan package must be received in the APMC Fulfillment center a minimum of 20 days prior to the COE date. Exclusions: The pledge does not apply to the HARP program, reverse mortgages, FHA 203k, non-delegated jumbo products or any loans that require prior approval from an investor. The pledge applies to purchase transactions only. This information is to inform the real estate industry only. All programs are subject to borrower and property qualifications. Rates, terms, and conditions are subject to change without notice.

Usher Financial Group a Division of American Pacific Mortgage Corporation NMLS #1850 #1053700  NMLS #41721
5335 Meadows RD STE 110, Lake Oswego, OR  97035
Toll Free:  (800) 481-6036
Office:  (503) 595-1600
Toll Free:  (503) 595-1610
info@usherfinancial.com
Copyright © 2017 Licensed by the Department of Business Oversight under the CRMLA CA BRE#01215943
Usher Financial a Division of American Pacific Mortgage Corporation NMLS 1850 Branch NMLS 1053700
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