I began my career in the mortgage industry in 2022 after spending several years running a small family entertainment business and building my own investment property portfolio. Those experiences gave me a strong understanding of both business ownership and real estate, which helps me guide clients through their home financing decisions with practical insight.
I became a loan officer because I wanted to help families achieve homeownership and move closer to their financial goals. Whether someone is buying their first home or refinancing to improve their financial position, I enjoy helping clients understand their options and feel confident in their decisions.
My approach is simple. I let clients set the pace and choose the communication style that works best for them. If someone has a question or needs guidance, I make myself available whenever possible, because I believe being accessible and responsive is key to a smooth experience.
Clients often say they appreciate how helpful I am and how clearly I explain the process from start to finish. The most rewarding part of my job is knowing that I have helped individuals and families achieve the goal of homeownership or save money through refinancing.
The process was stressful on my end, however Tyson and his team made everything simple and self explanatory. I highly recommend them.
Marisol D
Our Website
I had a wonderful experience with this mortgage company! From start to finish, they walked me through every step of the home-buying process, answered all my questions, and made everything simple and stress-free.
I truly appreciate their professionalism, patience, and support in helping me make my dream of owning a home come true. Thank you for making this journey such a positive experience. 🏕🙏
Highly recommend!!!!
Amila De S
Google
Kristina was very easy to work with. Everything was done in a timely manner. She was pleasant and helpful and a joy to work with. Would recommend this company to anyone.
Johnnie Z
Our Website
Mark carry forward with us the whole process. It’s was super helpful for the closure.
vetri s
Our Website
We cannot recommend Dawn Elin Cychner and American Pacific Mortgage highly enough. We have had the pleasure of working with Dawn multiple times over just under a decade, and she has been a trusted resource to members of our family for even longer. Over the years, she has consistently demonstrated an extraordinary level of professionalism, knowledge, patience, and genuine care.
Dawn is incredibly prompt and responsive, but what truly sets her apart is the time she takes to understand exactly what her clients need. She listens carefully, anticipates questions and potential challenges, and works tirelessly to find solutions that address every concern along the way. No matter how complicated the process may seem, Dawn has an incredible ability to make everything feel manageable, clear, and thoughtfully handled. You always feel as though you have someone highly skilled in your corner who is truly advocating for you.
Most importantly, Dawn helped make something we had dreamed about for years become a reality. Her expertise, persistence, and attention to detail were invaluable, and we genuinely do not believe we would be where we are today without her guidance. She brings not only a tremendous amount of experience to her work, but also warmth, integrity, and a personal investment in the people she serves.
After nearly a decade of working with Dawn, our trust in her has only grown. She is the person we continue to return to and the person we confidently recommend to our family and friends. If you are looking for someone who is exceptionally knowledgeable, patient, responsive, hardworking, and truly committed to helping you achieve your goals, Dawn is simply outstanding. We are incredibly grateful for everything she has done for us and could not recommend her more highly.
Kailey W
Trulia
The most amazing experience of my life.
Noemi M
Google
Very informative and helpful
Wyatt E
Our Website
Derrick was excellent to work with. He was attentive and always available to answer our many questions.
Danielle B
Google
Margaret was absolutely exceptional throughout my entire homebuying process! She was knowledgeable, responsive, patient, and always willing to answer my questions. No matter what came up, she worked hard to find a solution and keep everything moving toward the finish line. Her communication and dedication made such a difference, and I truly felt like I had someone in my corner. I’m incredibly grateful for everything she did to help make homeownership a reality for me. I highly recommend Margaret to anyone looking for an amazing loan officer
Alicia E
Our Website
Loan Programs
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DSCR Loans (Investment Loans)
Featured
A stunning craftsman-style home featuring a welcoming porch, modern design, and the 1% Home Loan Program.
1% Home Loan Program
Featured
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Conventional Loans
Featured
A welcoming living room with a fireplace, wall-mounted TV, and elegant decor, ideal for relaxing and entertaining in a cozy home setting.
Down Payment Assistance (DPA)
Featured
Refinance Loan
Supporting veterans and families with VA home loan options and resources.
VA Loans
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USDA Loans
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FHA Loans
Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
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Home Renovation
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
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Bank Statement Loans
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Construction Financing
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
A nurse smiling while holding a tablet, highlighting loan options for first responders, teachers, and nurses.
First Responders | Nurses | Teacher Loans
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Community Lending
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Modern house with landscaped yard and garden.
Expanded Income Loans
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Loans for Foreign Nationals
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
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Expanded Credit Loans
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
A woman reviews her home sale options on a tablet in a bright, modern kitchen, highlighting the Seller PreLock Program benefits.
Seller PreLock Program
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Rhyze HELOC
Beautiful blue house featuring a secure lock program for enhanced home safety.
Secure Lock Program
Refinance With Purpose
Every refinance starts with a goal. Whether you want to lower your payment, shorten your term, or access equity, we’ll build a strategy around what matters most to you.
Consolidate Debt
Simplify what you owe. Use your home’s equity to combine high-interest debt into one payment.
Lower Payments
Improve monthly cash flow. Even a small rate adjustment can create savings over time.
Get Cash Out
Access equity with intention. Turn your home’s value into funds for renovations, education, retirement, or financial goals.
Change to Fixed Rate
Stabilize your payment. Move from a variable rate to predictable payments built for long-term planning.
Refinance VA Loan
Use a VA refinance program to improve your terms, access cash, or reduce your monthly payment.
Discover your home’s value instantly.
Get a personalized home value report powered by real market data. Track equity, explore trends, and stay informed about your property and mortgage loan.
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A logo for Preferred Rate featuring a financial graph and a notification about interest rate drops.
We'll watch the market for you
Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes.
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How fast can I get pre-approved?
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How fast can I get pre-approved?
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How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
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A contemporary living space with a gray sofa, decorative pillows, hanging pendant lights, and lush green plants, creating a comfortable and stylish en.