© 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. Please consult your loan advisor for complete details. Equal Housing Opportunity. All California Mortgage is a division of American Pacific Mortgage Corporation - NMLS #1850 / DRE #01215943 | 1101 Fifth Avenue, Suite 220, San Rafael, CA 94901 Branch NMLS 888828 | (800) 371-4545 | Licensed by the Department of Financial Protection & Innovation under the CRMLA | Not Available in New York. Reverse Mortgage Disclaimer: Reverse mortgages are loans offered to homeowners who are 62 or older who have equity in their homes. The loan programs allow borrowers to defer payment on the loans until they pass away, sell the home, or move out. Homeowners, however, remain responsible for the payment of taxes, insurance, maintenance, and other items. Nonpayment of these items can lead to a default under the loan terms and ultimate loss of the home. FHA insured reverse mortgages have an up front and ongoing cost; ask your loan officer for details. These materials are not from, nor approved by HUD, FHA, or any governing agency.

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