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SPECIALTY  PRODUCTS

Specialty loan programs accommodate specific and unique needs, such as self-employed borrowers who have trouble showing their income or property types that are outside the norm. These are best for borrowers who have unique qualifying or property needs.

Contact your Ellason Loan Originator for more details!

For clients whose income is difficult to prove or who need some expanded criteria to help qualify, we have loan programs that open the door to borrowers needing access to financing but do not fit the standard agency or jumbo program guidelines.

EXPANDED
INCOME LOANS

Bank Statement Loans help business owners, the self-employed, gig workers, or retired borrowers get a home loan based on bank statements instead of tax returns.

BANK STATEMENT LOANS

Multiple products are available to help with current or past credit challenges depending on the circumstances, financing needs, and other compensating factors.

EXPANDED CREDIT LOAN

Investors have a unique set of needs depending on the type of property being financed, as well as their overall portfolio. Ellason Mortgage Group powered by American Pacific Mortgage has programs that cater to everyone from first-time investors to seasoned professionals looking to add to their real estate empire.

INVESTMENT

A Debt Service Coverage Ratio (DSCR) loan can be a powerful took for expanding your real estate portfolio. Owning real estate can be an excellent investment vehicle with the right financing and management of risk. We offer its visionary investment program to make your investment goals possible.

DSCR

Our Commercial Lending Team has combined experience of over 100 years in the industry. Highlights include Single Tenant/Retail/Office Buildings, Strip Malls, Shopping centers, Apartments & Mixed Use Property, and Industrial Property.

COMMERCIAL LENDING

Non-citizens interested in buying a home in the US can still qualify for a loan. A Foreign National Mortgage can be made without credit or a social security number and can be used as a secondary or investment property.

LOANS FOR FOREIGN
NATIONALS

Keep your first mortgage loans intact and tap into your home equity through the APM Equity Access Program.

HELOC LOANS

Financing can be made fast and easy with personal  loans. Ellason Mortgage Group powered by American Pacific Mortgage is a trusted source that offers low-interest, fixed-rate loans from $5,000 to $100,000 for practically any purpose, including home improvements, auto loans, debt consolidations, and more!

PERSONAL LOANS
(NON-SECURED)

If you are ready for homeownership but not quite mortgage ready, we’ve got you covered! Learn how to get out of renting and into a home with non-traditional financing with the Link Loan.

LINK LOAN

GET A LOAN WITH ELLASON

Here at Ellason, we are committed to helping you have the smoothest and easiest home buying experience possible. Our team is ready to help, and can show you the next steps to help you get started on your journey!

FIND A LOAN
We have financing
options in 49 states!

LICENSING

Ellason Mortgage Group NMLS #1850
Powered by American Pacific Mortgage NMLS #1850
Alabama Branch NMLS #2771559
Tennessee Branch NMLS #2776672
© 2026 American Pacific Mortgage Corporation. All rights reserved.
This material is provided for informational purposes only and is not guaranteed to be accurate or complete. The programs described may not include all available options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. Refinancing may result in higher total finance charges over the life of the loan. 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. Not Available in New York. Please consult your loan advisor for complete details. Equal Housing Opportunity.
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