Key on Time Guarantee

What if you could have a guarantee, in writing, that your next home purchase loan will close on time?

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

... Now you can have both.

At Holmgren & Associates/American Pacific Mortgage, we are committed to helping Home Buyers close their purchase contracts on time, and even ahead of schedule. And we will put our money where our mouth is, which means that if we don't deliver, you get paid.

In today's lending environment, most 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 written guarantee and certificate to present with their home purchase offer. This pledge assures a seller that American Pacific Mortgage will have your mortgage loan approved, and documents to escrow in plenty of time 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 $795 at closing. However, we are so good at what we do, that we haven't had to ever pay out on this pledge! It doesn't get any better than that.

How fast can we close?

Depends on the transaction and borrower ... but as of September 2013, our documents are in Escrow 7 days on average before the contract close date...and that's CALENDAR days, including the appraisal! You won't find this kind of speed anywhere else!

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, and there are certain timeline triggers for locking the rate, ordering the appraisal, and submitting to underwriting. Call us at 510-339-2121 for full details. If you are self-employed with multiple tax returns, own many investment properties, or 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 just 30 calendar days ... still very fast compared to our competition.

To find out if you qualify, please call us at 510-339-2121.


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

Keys on Time Guarantee.pdf*

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

Our program guarantees that the loan will close by the close of escrow date if not earlier. If the loan does not close by that date, the $795 Underwriting fee will be waived for this client.

* 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. This guarantee information is to inform the real estate industry only and is not to be provided to consumers. All programs are subject to borrower and property qualifications. Rates, terms, and conditions are subject to change without notice.




Holmgren and Associates

DBA of Finance of America
4200 Broadway
Oakland, California 94611
Phone: 510-339-2121
NMLS 0910184/1071

Holmgren & Associates is a branch of Finance of America. We are a full service mortgage banker with an experienced staff offering expertise in residential mortgage lending, with primary focus on loans for home purchase, refinance, and reverse mortgages.

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©2019 Holmgren & Associates is a division of Finance of America Mortgage LLC |Equal Housing Opportunity | NMLS ID #1071 (| 300 Welsh Road, Building 5, Horsham, PA 19044 | (800) 355-5698 | Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act
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This is not a commitment to lend. Prices, guidelines and minimum requirements are subject to change without notice. Some products may not be available in all states.  Subject to review of credit and/or collateral; not all applicants will qualify for financing. It is important to make an informed decision when selecting and using a loan product; make sure to compare loan types when making a financing decision.  Any materials were not provided by HUD or FHA. It has not been approved by FHA or any Government Agency.  A preapproval is not a loan approval, rate lock, guarantee or commitment to lend. An underwriter must review and approve a complete loan application after you are preapproved in order to obtain financing.  Questions, comments, concerns? Send to