American Pacific Mortgage - Layton Branch

09/03/2026

"We’ve been working with James Hirst for years and have been given sound advice and guidance in our changing economy. Highly recommend." says Trish on Google

★★★★★ We’ve been working with James Hirst for years and have been given sound advice and guidance in our changing economy. Highly recommend.

09/01/2026

Happy Work Anniversary, Kirk! 🎉
We’re so glad to have you on the team!
https://myoc.io/



Branch NMLS # 1446817

09/01/2026

Thinking about a home upgrade but hesitant to dip into your savings?
Your home’s equity could be the answer.

From kitchen updates to bathroom remodels or energy-efficient upgrades, you can use your equity to fund improvements that elevate your lifestyle and increase your home’s value.

With flexible options like a cash-out refinance or HELOC, your dream renovation might be closer than you think.

🔨 Let’s explore how your equity can work for you—reach out today!
https://myoc.io/

Branch NMLS # 1446817

08/31/2026

True strength comes from who we are, not just what we achieve. Let's focus on building character and watch how it empowers every aspect of life!
https://myoc.io/

Branch NMLS # 1446817

08/27/2026

Don't count yourself out before we've even looked at the numbers. Perfect credit? Not required. 20% down? Not always necessary. The "right" rate? There's more flexibility than you think.

A lot of people rule themselves out of buying or refinancing based on assumptions that just aren't true anymore. Let's look at your actual situation together — you might be closer than you think.
https://myoc.io/



Branch NMLS # 1446817

08/25/2026

Popsicle or ice cream — which one wins summer for your family? Comment below and let's settle this once and for all.
https://myoc.io/



Branch NMLS # 1446817

08/24/2026

In a changing market, perspective matters. The challenges we face are often the opportunities that help us grow, adapt, and find a better way forward.
https://myoc.io/



Branch NMLS # 1446817

08/20/2026

Freelance income. Multiple jobs. Bonuses and commissions. If your income doesn't fit in a neat box, you're not alone, and it doesn't have to be a dealbreaker. Mortgage options have evolved. Let's see what fits your situation.
https://myoc.io/



Branch NMLS # 1446817

08/18/2026

"Nigel was great to work with. He made the whole financing process so smooth. I highly recommend American Pacific Mortgage." says Patty

★★★★★ Nigel was great to work with. He made the whole financing process so smooth. I highly recommend American Pacific Mortgage.

08/18/2026

Not every homebuyer is a W-2 employee. And that’s okay.

Today's workforce looks very different than it did 20 years ago. Entrepreneurs, freelancers, real estate investors, retirees, commission-based professionals, and business owners often have income that doesn’t fit traditional lending guidelines.
That’s why we offer a variety of mortgage solutions designed for today’s borrowers.
https://myoc.io/



Branch NMLS # 1446817