American Pacific Mortgage- Dave Kosmecki

About
^{American Pacific Mortgage- Dave Kosmecki}

Dave Kosmecki leads the Kosmecki Team at American Pacific Mortgage. He has 42 years of industry experience. Dave has 42 years of industry experience. By working with this team and their staff, you can be assured that you are in good hands.He understands that home financing can be a complicated and confusing process. His goal is to make it simple and spend all the time needed to explain the processes and timetables for achieving your goal, a new home loan!Buying or refinancing a home is one of the most exciting, confusing, and stressful financial transactions you'll ever make. Without the guidance of a dedicated Mortgage Loan Officer - loan documents, unfamiliar terminology, and uncertainty can drain the joy of buying a new home.Our application process is simple. With 'Loan Prospector' and 'Desktop Underwriting', the loan application and the proper financial documentation provided by the client at the initial loan application will allow us to begin the process. These new computerized underwriting programs review your information electronically, allowing for answers in 24 hours or less. Once we have your approval, we can tell you if we need additional information from you to approve your loan.