Division Director · APM · Walnut Creek, CA

We Bring
People Home.
Personally.

20+ years of mortgage expertise serving the San Francisco Bay Area. Nationally recognized leadership. Personal service from application to keys — every loan type, every borrower.

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20+
Years in Mortgage
#1
Nationally Ranked Team
100%
Loan Types Available
5★
Client Rating
Robert Tyler-Cook, mortgage loan officer and Division Director at American Pacific Mortgage in Walnut Creek, CA
Robert Tyler-Cook
Division Director · APM Walnut Creek · NMLS #208231
APM Top-10 Lender
NMLS #208231
Licensed & Compliant
5-Star Rated
Client Satisfaction
Employee Owned
APM — Proud to be Employee Owned
Equal Housing
Opportunity Lender
20+
Years Closing Loans
#1
Nationally Ranked Team
by Closed Volume
1,700+
Licensed Advisors
at APM Nationwide
4.96
APM Average Customer
Rating / 140K+ Reviews
Robert Tyler-Cook, licensed mortgage loan officer NMLS #208231 serving Walnut Creek and San Francisco Bay Area
Robert Tyler-Cook
Division Director · American Pacific Mortgage · NMLS #208231
#1
Nationally
Ranked Team
Why Work With Robert

Expertise That Gets
Your Loan Closed.

Not every mortgage professional is built the same. I've spent 20+ years in this industry — originating loans, leading national teams, and building a reputation on results. Here's what that means for you.

  • Nationally Recognized Performance

    Led teams ranked #1 and #3 nationally by closed loan volume — the same discipline and drive that went into building those teams now goes into every loan I originate for you.

  • Personal Service — Not a Call Center

    You'll work directly with me from application to closing. I answer my phone, I know your file, and I make sure you're never left wondering what's next.

  • Every Loan Program, Under One Roof

    From first-time buyer down payment assistance to complex jumbo and bridge loans — I have the full product suite and the experience to match you with the right solution, not just the easiest one.

  • Backed by a Top-10 Independent Lender

    American Pacific Mortgage is employee-owned with 1,700+ advisors, 200+ branches, and $143B+ in loans funded. You get boutique personal service with institutional strength behind every transaction.

Start Your Application (503) 957-8167
Loan Programs

The Right Loan for
Your Situation.

Whether you're buying your first home with minimal savings, refinancing, or purchasing an investment property — I have the program, the experience, and the solutions to make it happen.

Not sure which loan is right?
Let's talk through your options.
No pressure, no credit pull, no commitment. Just an honest conversation about what makes sense for you.
Get a Free Consultation

Conventional

3% down. Best rates for strong credit.

  • Down payments as low as 3%
  • Cancel PMI at 20% equity
  • Fixed or adjustable rate
  • Loan limits up to conforming cap
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FHA Loans

3.5% down. Flexible credit welcomed.

  • 3.5% down with 580+ credit score
  • First-time and repeat buyers
  • Stackable with most DPA programs
  • Streamline refi available
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VA Loans

0% down for veterans & active military.

  • Zero down payment required
  • No private mortgage insurance
  • No loan limits with full entitlement
  • VA IRRRL streamline refi available
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USDA Loans

Zero down in eligible areas.

  • 100% financing in rural & suburban zones
  • Often lower rates than conventional
  • Low monthly mortgage insurance
  • Flexible credit guidelines
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Jumbo Loans

Up to $10M. Bay Area specialists.

  • Up to 90% LTV in select programs
  • Fixed, ARM, or interest-only
  • RSU income & asset depletion accepted
  • Loans from $750K to $10M+
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Popular

Down Payment Assistance

Buy with as little as 1% down.

  • APM 1% Home — we provide 2% grant
  • National & CA regional DPA programs
  • Forgivable and repayable options
  • No first-time buyer req. on many programs
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Flexible

Non-QM Loans

Income outside W-2s? We have options.

  • Investor cash flow & DSCR loans
  • Asset depletion / asset-based income
  • Foreign national programs
  • Recent credit events considered
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Self-Employed

Bank Statement Loans

Qualify on deposits, not tax returns.

  • 12 or 24 months bank statements
  • Personal or business accounts
  • Up to $5M loan amounts
  • No tax returns required
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Home Equity Loans

Tap your equity without refinancing.

  • HELOC — flexible revolving credit line
  • Fixed 2nd mortgage (lump sum)
  • Keep your low first-rate intact
  • Use for remodel, debt payoff, & more
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Bridge Loans

Buy before you sell. Stay competitive.

  • Use current home equity as down payment
  • No sale contingency needed
  • Short-term — 12 to 24 months
  • Available with primary & vacation homes
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Doctor Loans

Up to 100% financing. No PMI.

  • Loans up to $2.5 million
  • Employment contracts accepted
  • No PMI even with 0% down
  • Physicians, dentists, residents
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Hero Program

STaR Program

Savings for public service heroes.

  • Teachers, Firefighters, Law Enforcement
  • Nurses & healthcare workers
  • Reduced lender fees up to $800
  • Stackable with other programs
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Construction Loans

Build your home from the ground up.

  • One-time-close up to 95% LTV
  • Conventional, FHA, or VA
  • Use owned land as down payment
  • Extended rate locks available
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Renovation Loans

Finance purchase + renovation in one loan.

  • Borrow based on after-improved value
  • FHA 203(k) and Freddie CHOICERenovation
  • Kitchen, bath, additions & more
  • One closing, one payment
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Reverse Mortgages

62+? Access equity, no payments.

  • No monthly payments required
  • Stay in your home
  • Proceeds typically tax-free
  • FHA HECM and proprietary options
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Exclusive Buyer Tools

Advantages That Help
You Win.

Through American Pacific Mortgage, I offer exclusive tools that give you a real competitive edge — from locking your rate early to a closing guarantee.

SecureLock™

Lock your interest rate before you even find a home. Protection for up to 360 days on new construction, 180 days on purchases. If rates drop within 21 days of closing, you get the lower rate. If they rise, you're protected.

Keys on Time™

Full underwriting approval before you're under contract. This makes your offer as strong as cash in a competitive market. And if we miss your closing date, APM pays you or the seller $2,000.

Builder Advantage

Building a new home? I offer extended rate locks, preferred pricing, streamlined builder approvals, and dedicated support through every phase of construction.

Temporary Rate Buydowns

Reduce your interest rate in the early years of your loan using seller concessions or lender credits. A powerful tool in today's rate environment that can lower your payment significantly at the start.

Mortgage Calculator

See What You Can Afford.

Estimate your monthly payment in seconds. Adjust the sliders and see results update live — then reach out to get an accurate quote based on your actual situation.

Estimated Monthly Payment
$4,861
per month
Principal & Interest —
Property Tax —
Homeowners Insurance —
Est. PMI —
Loan Amount —
Get an Accurate Quote

Estimated figures for illustration only. Does not include HOA dues, flood insurance, or other costs. Actual rate and payment depend on credit profile, property type, and market conditions. Contact Robert for a personalized quote.

How It Works

A Clear Path From
Application to Keys.

I take ownership of the process — so you can focus on your move, not your mortgage.

Free Consultation

We talk through your goals, timeline, and budget. No credit pull, no pressure — just a real conversation about your options.

Application & Pre-Approval

Apply online in minutes. I'll find the best program for your situation and issue your pre-approval letter — often within 24 hours.

Processing & Underwriting

My team handles every detail. I keep you informed at every milestone with clear, direct communication and zero surprises.

Close & Celebrate

Sign, get your keys, and move in. I'll be there through to closing — and available long after, whenever you need me.

About Robert

You Deserve Someone Who
Knows Every Option.

When you're making one of the biggest financial decisions of your life, you need a mortgage professional who has seen it all — not someone still learning on the job. With 20+ years in mortgage and hundreds of loans closed, I've helped first-time buyers, move-up buyers, investors, self-employed borrowers, doctors, veterans, and retirees find the right financing for their unique situations.

I work with American Pacific Mortgage — a top-10 independent retail lender with 1,700+ licensed advisors and 200+ branches nationwide. That means you get the personal attention of a local advisor with access to an institutional-grade product suite: conventional, FHA, VA, USDA, jumbo, bank statement, Non-QM, home equity, construction, and more. If a loan program exists, I can offer it.

What sets me apart is what I won't do: I won't push you into a product that's easiest for me. I won't pass you off to a junior processor and go dark. I won't let surprises happen on your closing day. Every client I work with gets direct access to me — because I believe you should never wonder where your loan stands.

I'm based in Walnut Creek and serve clients across the Bay Area and California. Whether you're buying your first home, refinancing to tap equity, or navigating a complex purchase scenario — I'll give you a straight answer, a clear path, and the attention your transaction deserves.

Reach Robert Directly

1301 Ygnacio Valley Rd. Ste 100
Walnut Creek, CA 94598
NMLS Licensing
Robert Tyler-Cook · NMLS #208231
American Pacific Mortgage Corporation · NMLS #1850
Equal Housing Lender · Licensed Mortgage Professional
Common Questions

Frequently Asked
Questions.

Answers to the questions I hear most — no jargon, no runaround.

Still have questions?

I'm happy to walk through any scenario — no commitment, no credit pull. Reach out directly and get a straight answer.

(503) 957-8167
rtc@apmortgage.com
Start Application

I'm based in Walnut Creek and serve clients across the entire San Francisco Bay Area — Contra Costa County, Alameda County, Marin, San Francisco, San Mateo, and Santa Clara counties. I also lend statewide in California. Whether you're in Concord, Lafayette, Danville, Oakland, or San Francisco, I can help.

Most clients receive a pre-approval letter within 24 hours of submitting their application. Through APM's Keys on Time™ program, I can also provide a full underwriting approval before you're under contract — making your offer as strong as cash in a competitive Bay Area market.

Absolutely. I specialize in self-employed borrowers. Bank Statement Loans let you qualify on 12 or 24 months of deposits — no tax returns required. Non-QM programs include asset depletion and investor cash flow loans. Loan amounts up to $5M are available. Your write-offs don't have to disqualify you.

It depends on the loan type: Conventional loans start at 3% down, FHA at 3.5%, and VA loans require 0% for eligible veterans. Through APM's 1% Home program, qualified buyers can purchase with just 1% down — APM contributes a 2% grant. Jumbo loans typically require 10–20% depending on loan size and property type.

Yes — VA loans are one of my most requested programs. Zero down payment, no private mortgage insurance, and no loan limits with full entitlement. I also handle VA IRRRL streamline refinances. If you've served, you've earned this benefit — let me help you use it.

APM is a top-10 independent retail mortgage lender with 1,700+ licensed advisors and $143B+ in loans funded — but we're also employee-owned. That means every person here has a stake in your experience. You get institutional product depth (every loan type, competitive pricing) with the personal service of a local advisor who answers their phone.

Get In Touch

Ready to Start? Let's Talk.

By submitting, you consent to be contacted by Robert Tyler-Cook (NMLS #208231) and American Pacific Mortgage Corporation (NMLS #1850). Your information is secure and never sold. This is not a commitment to lend.

Message Received!

Thank you — Robert will respond personally within one business day. You can also reach him directly at (503) 957-8167.

Every inquiry I receive is handled personally. You won't be passed to a call center or an automated system — you'll hear from me.

Direct Line
(503) 957-8167
Office
1301 Ygnacio Valley Rd. Ste 100
Walnut Creek, CA 94598
Hours
Mon–Fri, 8am–6pm PT
Weekends by appointment
Apply Now (503) 957-8167