Welcome to  Altamont Mortgage Group 

Altamont Mortgage Group, a division of American Pacific Mortgage Corporation, has two locations throughout the Central Valley. One located on Tracy Blvd in Tracy, CA and the other in Turlock, CA on Geer Rd nearby UC Stanislaus. If you are in search of a home loan in the San Joaquin, Stanislaus, Merced, Santa Clara, Alameda & Contra Costa counties please do not heisitate to contact us. Altamont Mortgage Group has many different loan programs such as Conventional (Fannie Mae/Freddie Mac), FHA, VA, USDA, JUMBO, 80/10/10, Rehab 203K, Reverse Mortgage, Construction, and many more. We are also one of few lenders in CA that offer a 1 year out of foreclosure/short sale program. Feel free to call us to see if you can get pre-approved for your new home today or apply online with our secure 1003! 

Honest, Ethical, Local Lending

Get financed by a local lender! Our belief is that a Home Purchase or Refinance is one of the biggest transactions you will ever make in your lifetime, with that said you wouldnt want to make that transaction with some mortgage company in another state or in a call center in another timezone. This is why at Altamont Mortgage Group you can rest assured that your process will be handled by local experts who will help you achieve your goals face to face. Being as though we are local, we really know and understand the San Joaquin, Stanislaus, Merced, Santa Clara, Alameda & Contra Costa markets. So if you're in or around these Counties and need a mortgage, we'll make sure to work closely with you every step of the way for a streamlined process and timely closing. 

Home Purchase

Whether you are a First Time Home Buyer or an experienced Investor, let Altamont Mortgage Group put together a mortgage plan to suit your goals. Altamont Mortgage Group is very thorough when explaining the process to our buyers during our initial meet, we do this so that our buyers are more educated and have a better understanding of the process going forward. After all, buying a home can be a scary process, and we pride ourselves on holding our clients hands through that process from start to finish. 

Mortgage Refinance 

Need a lower mortgage rate? Altamont Mortgage Group offers several home loan refinance products for our clients such as:

Conventional | FHA Streamline w/No Appraisal | FHA Cash-Out | FHA 203K | VA Streamline IRRRL | VA Cash-Out

Home Improvement | Cash Out Refinance | HARP 2.0 | Commercial 

Altamont Mortgage Group is proud to serve our veterans. We offer the VA Streamline Refinance (or IRRRL) for competitive VA mortgage rates and with NO appraisal. Contact us if you'd like more information about your eligibility for a VA IRRRL Refinance with no appraisal, or any of our refinance programs.


The "Keys on Time" program is a limited guarantee that APMC 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" limited guarantee 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" limited guarantee trigger 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 18 days prior to the COE date. Exclusions: The limited guarantee 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 limited guarantee applies to purchase transactions only. All programs are subject to borrower and property qualifications. Rates, terms, and conditions are subject to change without notice.

Licensing Information:

Licensed by the Dept. of Business Oversight under the CRMLA


Latest from the Blog

Recent Articles

How FHA Streamline Refinance Works
For a mortgage product, an FHA streamline refinance is relatively straight forward. When refinancing let’s say a conventional loan; you will need an appraisal, verification of income, verification of employment and a credit check. In an FHA Streamline, none of...
How Interest Rates Work
3.5% interest rate, Amortized over 30 years. What does that mean exactly? Interest is charged on what’s called an Amortization Schedule. If your interest rate is 3.5%; that amount is spread out over the year. If you divide 3.5 by 12 months, you get 0.2916% you will pay each month. Always on...
How much Equity do I need to Refinance?
        Like most things in the finance world; refinance is multi-faceted. Refinancing a loan can mean any combination of a few different things. You can change the interest rate, loan term, loan type, and even “cash out”; which is where equity...