Our Promise
Equitable Mortgage Group was founded on the vision and promise to provide you with a fast, comfortable, and competitively-priced mortgage experience. Our simple business philosophy is to put your interests first.
©2020 American Pacific Mortgage Corporation. All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions apply. Equal Housing Opportunity.
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Phone: 415-464-8299
Fax: 415-598-2631
Email: charlie@emgmortgage.com
We are located at 1101 Fifth Ave., Suite 220 San Rafael, CA 94901. Licensed in CA.
American Pacific Mortgage Corporation dba Equitable Mortgage Group – NMLS #1850.
Branch NMLS #1204040. CA DRE #01215943.
Consumer access to the NMLS – click here.
Licensed under the Department of Business Oversight under the CRMLA.

WHEN INTEREST RATES COLLAPSE – 3/18/20
UncategorizedLong-dated Treasury bonds produced a gain of +46.4% (total return) on a trailing 1-year basis as of the close of trading last Monday 3/09/20 (source: Barclays).
*The views, articles, postings and other information listed on this website are personal and do not necessarily represent the opinion or the position of American Pacific Mortgage Corporation.
HOUSING – 1/7/20
UncategorizedA LITTLE SURPRISING – 12/16/19
Uncategorized*The views, articles, postings and other information listed on this website are personal and do not necessarily represent the opinion or the position of American Pacific Mortgage Corporation.
THE NEW-HOME PREMIUM – 12/9/19
UncategorizedThe median sales price of a new home sold nationwide in October 2019 was +17% more expensive than the median sales price of an existing home sold nationwide in October 2019, i.e., $316,700 for a new home vs. $270,900 for an existing home (source: Census Bureau, National Association of Realtors).
*The views, articles, postings and other information listed on this website are personal and do not necessarily represent the opinion or the position of American Pacific Mortgage Corporation.
OLD AND STILL OWING MONEY – 12/2/19
Uncategorized*The views, articles, postings and other information listed on this website are personal and do not necessarily represent the opinion or the position of American Pacific Mortgage Corporation.
THREE IN-A-ROW – 11/22/19
Uncategorized*The views, articles, postings and other information listed on this website are personal and do not necessarily represent the opinion or the position of American Pacific Mortgage Corporation.
OWNERS AND RENTERS – 11/20/19
UncategorizedThe 111.2 million households that existed in the United States on 9/30/09 were split 68/32 between 75.2 million owners and 36.0 million renters. The 122.7 million households in the United States on 9/30/19 were split 65/35 between 79.5 million owners and 43.2 million renters (source: Census Bureau).
*The views, articles, postings and other information listed on this website are personal and do not necessarily represent the opinion or the position of American Pacific Mortgage Corporation.
EQUITY – 10/25/19
UncategorizedThe average loan-to-value ratio in the US housing market as of 6/30/08 was 55%, i.e., the average homeowner had home equity of 45%. The average loan-to-value ratio in the US housing market as of 6/30/19 was 36%, i.e., the average homeowner had home equity of 64%(source: Federal Reserve).
*The views, articles, postings and other information listed on this website are personal and do not necessarily represent the opinion or the position of American Pacific Mortgage Corporation.
WRONG – 10/17/19
Uncategorized*The views, articles, postings and other information listed on this website are personal and do not necessarily represent the opinion or the position of American Pacific Mortgage Corporation.
ALMOST A MILLION BUCKS – 10/16/19
UncategorizedIf the nation’s aggregate net worth of $113.5 trillion was spread equally across all 122.5 million US households, every American household would be worth $927,000 (source: Federal Reserve).
*The views, articles, postings and other information listed on this website are personal and do not necessarily represent the opinion or the position of American Pacific Mortgage Corporation.