Specialty Loan Programs

 We have a multitude of innovative programs to serve your unique mortgage needs.

Check out our lineup below to find out how Rob Tennyson offers more innovative home loan programs for whatever your specialty needs may be.

Rob Tennyson will help you narrow down the possibilities to select the loan that fits your individual needs.

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Our Express Lane Approval is here to make the home loan process quick and easy with less paperwork requirements and more timely closings.

    • Less paperwork from you

    • Easy, secure, validation processes

    • Faster Processing time

    • Reduced documentation requirements

    • Available while you shop for a home

    • Opportunity to close loans up to 15 days faster

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 Keys On Time

Welcome to the 20-day Close with your offer backed by the purchasing power of a full loan approval. Our Keys on Time program will help your purchase offer stand out in a competitive market because we will work with you to get full underwriting loan approval to ensure your loan will close on time, even if you have not yet identified the property. We are 100% committed to owning what it takes to get your loan funded on or before the close of escrow. If your loan does not close on time, we will credit you $895 in closing costs.*

You can combine Keys on Time with our SecureLock program to have the security of a locked in interest rate even prior to making a purchase offer.

  • Over 90% of owner-occupied homes qualify

  • First-time and move-up homebuyers are eligible

  • Single-family, condos, investment, second-homes

**Not available in Oregon. The “Keys on Time” program is a limited guarantee that APMC will provide a credit to the borrower of $895 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 20 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.

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Secure Lock 

Lock your rate and secure peace of mind. With our SecureLock program, you can lock in today’s competitive rates while you shop for a home, sell your home, or while your home is under construction. You can also take advantage of a one-time float to market if rates improve prior to signing your loan documents. If rates go up, you are secure!

*To qualify for this program, APM must give full credit approval to all borrowers on the loan. There are specific terms for each lock, based on which variation of the SecureLock program is used. Eligible states include: Alaska, California, Colorado, Hawaii, Idaho, Kansas, Oregon, Texas, and Washington.

Contact us today for full details. 

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 Bridge Loan Programs

Our Bridge Loan programs can help you purchase a new home before your existing home is sold. If a seller is unwilling to consider purchase offers with sales contingencies, we have two programs to choose from:

Close with Confidence Bridge Loan

This loan program is designed for borrowers who are in contract for the sale of their existing property, and want to make an offer on another property without a sales contingency. Under this program, you can take the equity from your current home (that is a pending sale) and use the funds to purchase a new home.

Debt Inclusive Bridge Loan

This loan program is designed for borrowers who want to take equity from their current home that is listed for sale and use the funds to purchase another home. All of the debts for the departing residence including any payments on the bridge loan (if any are required) are factored into the borrower’s total DTI when purchasing the new home.

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Dream Home Renovation

If you can dream it, you can make it a reality. With our Dream Home Renovation program, you can buy the property that needs some renovation. Save time and money by financing the purchase with the cost of the repairs included in your mortgage.

  • Create your dream home instead of buying someone else’s

  • The loan amount is based on future assessed value of home

  • Take advantage of properties in great locations that need renovation

  • 640 minimum FICO required

  • 110% loan to value

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Home Ready 

As an alternative to the FHA program, Home Ready is a conventional 3% down* mortgage loan with even more flexible income qualification guidelines. In addition, Home Ready may have reduced mortgage insurance options, including no upfront mortgage insurance fees and may be cancelable per servicer/Fannie Mae guidelines.


  • The mortgage is a fixed rate loan up to $484,350

  • Up to 97% LTV financing (3% down)*

  • Eligible properties are single family-dwellings, PUD or condos as the owner’s primary residence

  • Gift funds or Community seconds are allowable for the down payment

  • Non-occupant co-borrower’s income can be used for qualifying

  • Single-family accessory unit or boarder income can be used in qualifying

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Freddie Mac Home Possible Advantage 

If you are looking to purchase a home with a low down payment and flexible sources of funds, our Freddie Mac Home Possible Advantage offers flexibility:

  • Max loan amount up to $484,350 for single-family dwellings in most US counties and $726,525 for high-cost areas**

  • Up to 97 percent LTV financing (3 percent down)*

  • Down payment assistance programs and/or affordable second mortgages available

  • Flexible sources of funds can be used to qualify

  • Low to moderate-income buyers

  • Lower mortgage insurance coverage requirements, which means lower payments

** Each county limit is published on FHFA's website: www.fhfa.gov. Special statutory provisions establish different loan limit calculations for Alaska, Hawaii, Guam and the U.S. Virigin islands.

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STaR Loan

A mortgage program dedicated to saving our selfless teachers, first responders and correctional officers a little money on their home loans. Current full-time employed teachers, police, firefighters, and correctional officers are eligible for our STaR program, which makes the process of obtaining a mortgage a little bit easier.

  • Save up to $500 in reduced Lender Fees for qualified Teachers, First Responders, and Correctional Officers

  • Gift fund options available which can be used for 100 percent of the home purchase down payment

  • Take advantage of lender paid mortgage insurance options to reduce your monthly mortgage expense

  • Gain peace of mind with a one-time interest rate renegotiation option, if rates improve prior to your closing docs being drawn

Borrower Qualifications

  • Teachers: Must hold an appropriate teacher credential and be currently full-time employed in a public/private school

  • Police/Sheriff/CHP: Must be currently employed full time with City, County, or State Law Enforcement

  • Firefighters/First Responders: Must be currently employed full time with the City, County or State

  • Correctional Officers: Must be currently employed full time with City, County, or State Law Enforcement

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Medical Professional Loan Program

You care for others every day, so when it comes to your home financing needs – let us take care of you!

Whether you are considering a home purchase or refinance, we’ve created a specialized mortgage program with flexible terms for medical professionals like you. With this unique program, your student debt can be excluded from your debt-to-income qualification (some conditions apply). 

It’s our way of saying thank you for all that you do.

Program Highlights

  • Up to 95% loan-to-value (LTV) for lans up to $1M

  • Up to 85% loan-to-value (LTV) for lans up to $2M

  • Up to 43% debt-to-income (DTI)

  • Student loans may be excluded from the DTI with proof of >/= 12 months of deferment/forbearance


  • Medical Doctors (including DOs) 

  • Dentists and Dental Surgeons

  • Veterinarians 

  • Newly licensed medical residents/students (must be currently employed, in residency or fellowship within 60 days of closing) 

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 Jumbo Programs

If you are looking to buy a home that exceeds conforming loan limits in your area, you may need a Jumbo loan. We offer nearly a dozen Jumbo investor loan programs to choose from. With our in-house delegated underwriting we can make sure your deal closes fast!

  • In-House Delegation to $2M

  • 85% LTV to $3M

  • 90% LTV up to $1.5M-No MI

  • 80% LTV to $2M-Non-Warrantable Condos Available

  • 2nd homes up to 80% LTV

  • 5/5 and 15/15 ARM loan terms available*

  • Foreign National Options available

  • ARM Interest Only Available

  • Up to 50% DTI and 55% with an exception for well qualified borrowers

  • FICOs as low as 620

  • Down payment gift funds available (after borrower minimum contribution)

  • Owner occupied cash out up to $400K up to 80% LTV

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High Balance Solutions

If you are looking to finance a home that exceeds conforming loan limits, our High Balance Solutions program will get the deal done.

Under this program, you can split the loan amount between a first and second mortgage. This may result in lower monthly payments due to potentially lower rates available through conforming mortgage products.


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Jumbo Solutions

The Jumbo Solutions loan program is a “sister” program to our High Balance Solutions program. The Jumbo Solutions program can be used if you are looking to finance a home that exceeds conforming high balance loan limits.

Similarly, you can split the loan amount between a first and second mortgage. This may result in lower monthly payments due to potentially lower rates available through high balance conforming mortgage products.



Expanded Access

With our Expanded Access program, we have opened the doors to borrowers who need access to financing but don’t “fit” the standard agency or jumbo program guidelines.

The Expanded Access program provides financing options for borrowers that have difficulty documenting their income, or have debt-to-income (DTI) up to 50% (or even 55% on an exception basis).

Expanded Access also provides options to borrowers with a recent credit event such as a short sale/foreclosure or a mortgage late.

Expanded Access offers fully amortizing fixed, ARM and interest only ARM options to facilitate financing on primary, second home and investment properties.

  • Loan amounts from $100K-$2M

  • Up to 90% Loan to Value with full documentation

  • Up to 85% LTV with bank statement documentation

  • 620 minimum FICO credit score

  • Recent credit events allowed include mortgage lates, settled housing events, and 12 month seasoning on a bankruptcy

  • 30-year fixed, 5/1, and 7/1 ARMs*

  • Interest only options on 5/1 and 7/1 ARMs*

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Asset Inclusion Loan Program

This mortgage program is for borrowers who have high assets, but an unsteady monthly income. With the Asset Inclusion Loan program, borrowers can factor in the assets they have remaining — after their down payment and closing costs — as sources of qualifying income.

  • Eligible for Primary, Secondary, and Investment properties

  • Loan amounts up to $1.5 million

  • Up to 80% loan-to-value

  • 700 minimum FICO score required

  • Not available in Hawaii and Nevada

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Investor Advantage

Income Property Financing Just Got Easier

If you are looking to purchase your next investment property, our Investor Advantage loan programs will get the deal done.

Investor Advantage gives you purchasing power in the market today for investment properties. There are two loan programs to choose from to fit your needs:

Investor Advantage

  • Minimum FICO – 640

  • Max LTV- 80%

  • Max Loan Amount- $2M

  • SFR & 1-4 unit properties

  • Non-warrantable Condos allowed (on an exception basis)

  • Income documentation required 

Investor Advantage Pro

  • Minimum FICO – 640

  • Max LTV- 75%

  • Max Loan Amount- $2M

  • SFR & 1-4 unit properties

  • Non-warrantable Condos allowed (on an exception basis)

  • No income documentation required. Appraisal and asset documentation required


Peak Loan Program

Our Peak Loan program allows you to buy a home up to $1.5M with only 5% down*. The loan terms can even be extended to 40 years, with the first 10 being interest-only payments. 

The Peak 2nd Lien loan program can also be an option for you to access the equity in your current home (up to 95% combined loan to value) and use it toward home improvement, debt consolidation, or as a source of down payment on a second home.

1st Lien Qualifications:

    • Loan amounts up to $2.5M

    • 5/1 ARM, 30 year fixed, and 30 or 40 year fixed with 10-year Interest Only options available.*

    • 620 minimum credit score

    • 50% maximum debt to income ration

    • Non-warrantable condos allowed

2nd Lien Qualifications:

  • Loan amounts from $20,000 to $500,000

  • 10, 15, 20, and 30 year fixed terms available

  • Available in 2 different options:

    • Stand alone

    • Second mortgage closing concurrently with a loan (for either a purchase or refinance)

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Manufactured Housing

Financing provided for the purchase and refinancing of manufactured homes.

  • Conventional, FHA and VA loans

  • Minimum FICO – 620

  • Max DTI – 45% (may be higher based on borrower credit scoring)

  • Primary residences and second homes

  • Up to 95% on a conventional primary purchase & rate-term refinance

*Please visit our Disclosures page for more details for all loan types. 

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