Tara McCafferty - American Pacific Mortgage

Tara McCafferty - American Pacific Mortgage Tara McCafferty
Branch Manager & Mortgage Loan Originator
at American Pacific Mortgage
NMLS #328378
Licensed in CA, NV, GA, TN & FL

With decades of experience, Tara is the mortgage expert you need! Serving Reno, NV; Roseville, CA; Orlando, FL; and more, Tara can help secure your mortgage loan, refinance an existing loan, or just answer any questions.

Today, we honor the hard work and dedication of America’s workforce. Your efforts, big and small, keep our communities m...
09/07/2026

Today, we honor the hard work and dedication of America’s workforce. Your efforts, big and small, keep our communities moving forward. Wishing you a safe and happy Labor Day! 💙❤️
https://myoc.io/GSLN

NMLS # 328378

09/01/2026

Unlike a bridge loan or home equity loan, a home equity line of credit (HELOC) requires payments only on the amount you borrow, making it a flexible financing option if you’re buying your next home if you're planning to keep your home as a rental.

With a HELOC, you can tap into your current home’s equity before it goes on the market—giving you access to funds when timing matters most.

It’s like having a built-in financial cushion that helps you move forward—on your own terms. If you're looking at strategies to BRIDGE the gap TO BUY a home - let's talk!
https://myoc.io/GSLN

NMLS # 328378

08/13/2026

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/GSLN



NMLS # 328378

Popsicle or ice cream — which one wins summer for your family? Comment below and let's settle this once and for all.http...
08/11/2026

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/GSLN



NMLS # 328378

The 20% down payment rule isn't the rule anymore. Many buyers purchase a home with far less. The best first step isn't s...
08/06/2026

The 20% down payment rule isn't the rule anymore. Many buyers purchase a home with far less. The best first step isn't saving more, it's understanding what's actually available to you. We're happy to walk through the numbers.
https://myoc.io/GSLN



NMLS # 328378

08/04/2026

The rules of mortgage lending have changed.

We believe home financing should fit your life, not the other way around.

If you’ve been told your credit score isn’t good enough to buy a home, it may be time for a second look. With a broad range of mortgage solutions, including programs designed for first-time homebuyers, borrowers with new or rebuilding credit, and those with unique financial situations, we’ve helped more people find a path to homeownership.
Don’t assume you don’t qualify. Let's Talk.
https://myoc.io/GSLN



NMLS # 328378

07/15/2026

Feeling overwhelmed by the quest for the perfect home on the first try? As a first-time buyer, you don't have to choose between a starter home or a forever home in a single breath. It's okay to start smaller, build equity, and keep your future options open.

The key is understanding what truly fits your lifestyle and financial goals—and that's where I come in. Together, we can explore a plan that works best for you and offers flexibility for the future. Whether it's securing rock-solid payments now or opting for flexibility, each path has its benefits.

What's your current thought process: buying now and adjusting plans later, or waiting for the perfect dream scenario? Share your thoughts below—I'm here to help navigate your home journey!
https://myoc.io/GSLN*



NMLS # 328378

06/30/2026

Rates aren’t one-size-fits-all. The better question is what rate fits your budget, credit profile, and long-term goals. Sometimes structure matters more than the headline number. Want to see what works for you? DM me and I can walk you through options.
https://myoc.io/GSLN*



NMLS # 328378

In a changing market, perspective matters. The challenges we face are often the opportunities that help us grow, adapt, ...
06/25/2026

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/GSLN*



NMLS # 328378

06/23/2026

One of the biggest misconceptions about interest rates is that the advertised rate online automatically applies to everyone.
The truth is, your mortgage rate can be impacted by factors like:
🏡 Loan type
💳 Credit profile
💰 Down payment
📍 Property type
📊 Loan structure
That’s why it helps to work with a local mortgage expert who can look at your full scenario, explain the options available to you, and help you understand what makes the most sense for your goals.
Because the best mortgage decision isn’t always about chasing the lowest number you see online. It’s about knowing your options, understanding the full picture, and making a smart plan for your future.

Let's Talk!
https://myoc.io/GSLN*



NMLS # 328378

Address

480 N Orlando Suite 236, Office 242
Winter Park, FL
32789

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Website

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