Risse Davis - American Pacific Mortgage

• Role: Branch Manager / Mortgage Advisor
• Company: American Pacific Mortgage (APM)
• Office address: 2737 SE 21st Ave, Portland, OR 97202
• Mobile phone: 503.891.6386
• NMLS: #1057017

Risse works under the American Pacific Mortgage platform, which focuses on "creating experiences that matter" for homebuyers, homeowners and referral partners. Clients can work with Risse using secure online tools and also communicate by phone, text, email and web.

Risse helps a wide range of borrowers, including:

• First-time homebuyers
• Repeat buyers
• Real estate investors
• Veterans using VA loan benefits
• Homeowners looking to refinance

Risse's team uses secure web, mobile, text and email options to keep the process convenient, with security measures in place to protect clients' private information.

States where Risse is licensed

According to the American Pacific Mortgage profile, Risse is licensed to lend in:

• Oregon (OR)
• Maine (ME)
• Florida (FL)
• Kansas (KS)
• Arizona (AZ)
• Montana (MT)
• California (CA)
• Washington (WA)

Risse can help customers buying or refinancing homes in these states. Mortgage loans for properties located in New York cannot be originated through this site.

For current details on licensing or to confirm eligibility for a specific property, contact Risse or American Pacific Mortgage directly.

Risse can assist with:

• Buying a home (primary residence, second home or investment property, where eligible)
• Refinancing an existing mortgage (rate-term or cash-out, subject to program guidelines)

Loan programs mentioned on the site

The American Pacific Mortgage site lists the following types of loan programs available through APM and its loan advisors:

• Conventional home loans
• Jumbo home loans
• FHA loans
• VA loans
• USDA loans
• Bridge loans
• Builder / construction-related loans
• Renovation loans

Availability of specific programs depends on the property location, borrower qualification and current company/product guidelines. Not every program is available in every state or for every situation.

Types of borrowers and situations

The APM site describes a broad product lineup designed to help many kinds of borrowers, including those who:

• Are first-time homebuyers
• Are experienced or repeat homebuyers
• Are real estate investors
• Are veterans or active-duty service members (VA-eligible)
• Are self-employed or small-business owners
• Have faced past credit challenges
• Have unique property types or more complex financial profiles

Risse can help you review options that may fit your goals and circumstances and can connect you with online tools, loan calculators and educational resources from American Pacific Mortgage.

How to explore loan options

To explore which loan programs may be available for your situation:

• Use the "Get a Quote" or "Apply Now" options on the American Pacific Mortgage site for Risse's page.
• Use the mortgage calculators on the site to estimate payments or affordability.
• Contact Risse directly by phone or through the site's contact form to discuss your goals and get more detailed information.

Specific rates, fees, and program eligibility are not listed on the site and are subject to change. For current details, speak directly with Risse or American Pacific Mortgage.

Risse Davis licensing

The American Pacific Mortgage profile for Risse Davis lists the following states where Risse is licensed:

• Oregon (OR)
• Maine (ME)
• Florida (FL)
• Kansas (KS)
• Arizona (AZ)
• Montana (MT)
• California (CA)
• Washington (WA)

Risse can assist eligible borrowers with home purchase and refinance loans for properties located in these states, subject to program and company guidelines.

American Pacific Mortgage licensing

The broader American Pacific Mortgage site states that APM is a leading national mortgage lender, licensed in 49 states, with the exception of New York.

The Contact page and other disclosures note that:

• This site is not authorized by the New York State Department of Financial Services.
• No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

Important notes

• Not all loan products are available in all states.
• All loans are subject to underwriting approval and to current company and regulatory requirements.
• For questions about whether a specific property or situation is eligible, contact Risse or American Pacific Mortgage directly.

• Branch: Portland Branch, American Pacific Mortgage
• Office address: 2737 SE 21st Ave, Portland, OR 97202
• Mobile phone: 503.891.6386

The profile page also links to options to:

• Get a quote
• Apply now
• Find me on Zillow
• Find me on Yelp

These links are provided on the American Pacific Mortgage website and may change over time.

Online application

The Risse Davis page on the American Pacific Mortgage site allows you to start an application online. To begin, you create a secure account on the APM platform.

According to the site, creating an account gives you:

• A secure loan application and document exchange
• The ability to pause and resume where you left off
• Updates on your application status
• The ability to e-sign certain documents
• Access to online resources and tools

Use the Apply Now option on the website to be taken to the secure online application environment.

Corporate / home office contact

American Pacific Mortgage home office contact information (from the Contact Us page):

• Address: 3000 Lava Ridge Court, Suite 200, Roseville, CA 95661
• Main phone: (916) 960-1325

There are also additional phone numbers on the APM Contact page for:

• New borrower loan information
• Accessibility issues (including TTY)
• Payment support (for help with the payment system)

These are company-level support numbers, not specific to any one loan advisor.

Communication methods and consent

The American Pacific Mortgage site explains that by providing your phone number, you consent to receive automated calls and texts for informational and account-servicing purposes, and that message and data rates may apply. You can reply STOP to stop receiving messages or HELP for help.

By submitting your email address through a form on the site, you agree that APM may email you about your inquiry and that you can unsubscribe or opt out later using the methods described on the site.

For the most current contact options or to confirm availability, use the contact information on Risse's page or the main APM Contact page.

From the APM Contact and legal sections:

• Information on the site is provided for informational purposes only and is not guaranteed to be accurate or complete.
• The materials and program descriptions may not include all available options or pricing structures.
• Rates, terms, programs and underwriting policies are subject to change without notice.
• This is not an offer to extend credit or a commitment to lend.
• All loans are subject to underwriting approval.
• Certain products may not be available in all states and restrictions may apply.
• Customers should consult directly with a loan advisor for complete and current details.

Licensing and equal housing

From APM site disclosures (summarized):

• American Pacific Mortgage Corporation NMLS #1850.
• Licensed by the Department of Financial Protection and Innovation under the CRMLA.
• CA-DRE #01215943 and other state licensing details are provided on the APM legal/licensing pages.
• Equal Housing Opportunity.

For full and current licensing information, the site directs users to NMLS Consumer Access and the APM Legal/Licensing pages.

Reverse mortgage note

The APM site includes standard information regarding reverse mortgages, including that:

• Reverse mortgages are loans offered to homeowners who are 62 or older who have equity in their homes.
• Borrowers may defer payment on the loan until they pass away, sell the home, or move out, but remain responsible for taxes, insurance, maintenance and other items.
• Nonpayment of these items can lead to default under the loan terms and potential loss of the home.
• FHA-insured reverse mortgages involve up-front and ongoing costs; borrowers are directed to discuss details with a loan officer.
• These materials are not from, nor approved by, HUD, FHA or any governing agency.

New York restrictions

The APM site notes that:

• The site is not authorized by the New York State Department of Financial Services.
• No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through the site.

Communication consent (summary)

Website forms explain that:

• By providing a phone number, a customer gives consent for American Pacific Mortgage to contact them with automated calls and text messages for informational and account-servicing purposes, and that message and data rates may apply.
• Customers can reply STOP to stop receiving messages or HELP for help.
• By submitting an email address on a form, a customer consents to receive emails related to their inquiry and may unsubscribe or opt out later using the methods described on the site.

For complete, current legal language and all licensing details, refer directly to the American Pacific Mortgage website, including the Privacy Policy, Legal/Licensing, Disclosures and Terms of Use pages.

The site provides mortgage calculators that can help you:

• Estimate a monthly payment for a purchase or refinance scenario
• Explore home affordability
• Get a general sense of how loan amount, interest rate and down payment affect payments

Calculator results are estimates only and do not represent a formal loan offer, rate quote or commitment to lend.

Educational resources highlighted on Risse's page

Risse's profile page links to free resources for homebuyers, including topics such as:

• First-time homebuyer checklists
• Comparing different types of mortgage loans
• A step-by-step overview of the home loan process
• Assessing financial readiness to buy a first home
• Common mistakes to avoid when buying a first home
• An overview of government-backed loan options
• A guide to VA loans for eligible servicemembers and veterans

These resources are provided to help you learn about the mortgage process and loan options offered through American Pacific Mortgage.

Blog content

The wider APM site includes blog articles and features that cover topics such as:

• Programs and solutions for self-employed borrowers
• Periodic financial fitness and market-related content

Specific article topics and availability may change over time.

How to access these tools

To access calculators, guides and other resources:

• Visit the American Pacific Mortgage website.
• Navigate from Risse's profile page to Mortgage Calculators, Explore Loan Programs, First Time Homebuyers, Free Resources, or similar links.

All tools and content are for general educational purposes only and do not replace personalized advice from a licensed loan advisor. For guidance specific to your situation, contact Risse or American Pacific Mortgage directly.

Ask anyway — the agent will say plainly that it is not published rather than guess.