Ken McCoy is a 28-year veteran of the mortgage industry and manager of American Pacific Mortgage dba Petaluma Home Loans, a Diamond Certified company. He can be reached at (707) 439-8297 or by email.


Video: A Good Time to Reassess Your Mortgage

With Ken McCoy of American Pacific Mortgage dba Petaluma Home Loans, a Diamond Certified Expert Contributor

PETALUMA − Host, Sarah Rutan: If you’ve had a recent life change such as retirement or the birth of a child, it’s a good time to reassess your mortgage situation. Today we’re in Petaluma with Diamond Certified Expert Contributor Ken McCoy of Petaluma Home Loans to learn more.

The Complex Truth about Interest Rates

By Ken McCoy of American Pacific Mortgage dba Petaluma Home Loans, a Diamond Certified Expert Contributor

PETALUMA − In the past, if you wanted to know the current interest rate for a home loan, you could simply ask a mortgage professional and get a direct answer. Today, however, interest rates aren’t as simple as they once were. For…Read More

Diamond Certified Expert Contributor Profile

Ken McCoy: An Unexpected Investment

  • Ken McCoy is manager of American Pacific Mortgage dba Petaluma Home Loans.

"At the end of the day, keeping my commitments is a far higher priority than making a profit.”

PETALUMA − When Ken McCoy bought his first house, he knew he was making a smart financial investment, but he never thought he’d also end up with a new professional livelihood. “In my prior career, I sold furniture,” he explains. “It was during this time that I bought my first house. After the purchase was finalized, the loan officer I was working with told me that if I ever got tired of selling furniture, I should come work for him. I guess he saw something in me.” Six months later, feeling a growing sense of dissatisfaction with his work, Ken remembered the offer and made a call. “I contacted the loan officer and asked if his offer still stood. He said it did, so I got my real estate license and went to work for him. I’ve been doing home loans ever since.”

Today, as manager of Petaluma Home Loans, Ken says he enjoys the varied and challenging nature of his profession. “Every loan is a puzzle and no two loans are the same, so it’s a continual challenge to assemble things in a way that meets both the underwriting guidelines and the borrower’s needs. In some cases, I have to think outside the box in order to make things work, but those kinds of challenges keep the job interesting.”

A resident of Petaluma (where he lives with his wife, Cheryl), Ken expresses his appreciation for the city’s close-knit character. “There are more than 60,000 people living in Petaluma, but it’s still a small town where everybody knows everybody, so it’s a really neat dynamic.”

Outside of work, Ken engages in a variety of active pastimes, from RVing to sports. “I’m the wagon master of a local RV group that does monthly weekend trips to places like Reno, Fort Bragg and Monterey,” he explains. “I also play soccer in a local men’s league, as well as handball and golf.” Additionally, Ken enjoys spending time with his family (including his three sons, Chris, Nicholas and Brandon) and volunteering with his local Rotary Club. “I’ve been in the Rotary Club of Rohnert Park-Cotati for 28 years. I’m actually an advisor to the Rancho Cotate High School Interact Club, which is like a Junior Rotary Club.”

In regard to his professional career, Ken espouses the importance of integrity. “It all comes down to treating people right and doing the right thing, even if it doesn’t always benefit your personal interests,” he says. “If I make a commitment to a client and something doesn’t go right on my end, I pay for that out of my own pocket. At the end of the day, keeping my commitments is a far higher priority than making a profit.”

When asked the first thing he’d do if he were to retire tomorrow, Ken says he’d split his time between volunteering and travel. “I’m not the kind of person who likes to sit still, so I’d definitely continue to be active in the Rotary Club. I’d also travel more—in fact, I’d love to take my RV around the United States and see some areas of the country I haven’t yet visited.”

Ask me anything!
Q: If you could travel anywhere in the world, where would you go?

A: It’s a tie between Scotland and New Zealand.

Q: What’s your favorite sports team?

A: The San Francisco Giants.

Q: What were you most known for in high school?

A: I played trumpet in the band.

Q: What’s your favorite local restaurant?

A: 630 Park Steakhouse in Rohnert Park.

Q: Do you collect anything?

A: I collect pin flags from different golf courses I’ve played at. I must have 40 or 50 pin flags on my office wall.

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