The Yahoo Finance View: American Pacific Mortgage is a good option for low-down-payment home loans or specialty mortgages, as its offerings in these categories are robust. It’s not the best for low rates or fees, though. American Pacific Mortgage is a nationwide mortgage lender that offers a wide variety of mortgage options for all sorts of buyers. There are traditional loans — like conventional mortgages and government-backed FHA, USDA, and VA options — as well as more specialty products, like ITIN mort ...