Pathways is American Pacific Mortgage's exclusive down payment assistance program designed to make homeownership more affordable for first-time buyers. This in-house program pairs a 30-year fixed FHA loan with assistance covering 3.5% or 5% of the purchase price — significantly reducing the cash you need at closing. Because Pathways is APM's own program, processing is streamlined and approvals move faster than third-party assistance programs. Contact Q Home Loans to find out if you qualify.
Choose the assistance level that fits your needs. Covers your down payment so you can get into your home with less cash upfront.
Assistance comes as a 10-year fixed-rate second mortgage priced just 2% above your primary rate — lower cost than most DPA programs.
Pathways is only available through American Pacific Mortgage branches like Q Home Loans. Your competitors' buyers can't access this.
Designed to work with 30-year fixed FHA loans — combining FHA's flexible qualification with Pathways' down payment help.
No third-party grant approvals to wait on. Q Home Loans manages the entire Pathways process internally for faster closings.
Built specifically for first-time homebuyers who have steady income but need help bridging the gap to their down payment.
Individuals or families purchasing their first home who need help with down payment and closing costs.
Buyers with steady income but limited savings for a traditional down payment who qualify for FHA financing.
Families looking to minimize upfront costs while securing affordable monthly payments through FHA loans.
Get answers to common questions about pathways program.
Explore other financing options that may fit your situation.
Q Home Loans specializes in pathways program for homebuyers and investors in Washington. Get expert guidance and competitive rates.