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WealthPlan Mortgage Advisors · Cleveland, OH

Plan First.
Mortgage Second.

Helping clients make mortgage decisions they can defend years from now.

Most people shop for a mortgage by rate. I help clients make mortgage decisions they can defend years from now. My approach is built around mortgage planning, scenario modeling, and liability management — looking beyond the rate to help clients structure debt that supports cash flow, flexibility, and long-term financial stability.

Apply Online Book a Strategy Call
CLA®
Certified Liability Advisor
10+
Years in the Industry
Dustin Passalacqua
Dustin Passalacqua
Branch Manager · WealthPlan Mortgage Advisors
🎓
Certified Liability Advisor (CLA®)
⚖️
📍
Licensed in OH · KY · VA · TN
🏢
American Pacific Mortgage Corporation
🤝
Rotary Club of Strongsville · Board Member
in ▶ IG ♫ f
NMLS #1782896 APM · NMLS #1850 Branch NMLS #2461817 5-Star Rated
Home Equity

What Is Your Home Worth Today?

Get an instant equity report — no obligation, no credit pull.

✦ American Pacific Mortgage · Top-10 Independent Lender
✦ $143B+ Loans Funded Nationwide
✦ 1,700+ Licensed Advisors
✦ Employee Owned
✦ Equal Housing Lender
Meet Dustin

A Mortgage Advisor Who Thinks Like a Financial Planner.

Most people shop for a mortgage by rate. I help clients make mortgage decisions they can defend years from now. My approach is built around mortgage planning, scenario modeling, and liability management — looking beyond the rate to help clients structure debt that supports cash flow, flexibility, and long-term financial stability.

As a Mortgage Advisor, I bring a planning-based lens to every conversation. My role is not just to help clients get a loan done — it is to help them borrow wisely.

CLA® — Certified Liability Advisor
Read full bio →
Dustin Passalacqua, Branch Manager
Licensed in OH · KY · VA · TN
Why Work With Dustin

This Isn't a Rate Shop.
It's a Financial Strategy.

Most loan officers hand you the cheapest rate and call it a day. I take a different approach — one built around total cost analysis, wealth-building strategy, and your long-term financial picture.

🧠
Holistic Liability Management
As a Certified Liability Advisor, I don't just look at your mortgage in isolation. I analyze how your debt structure affects your net worth, tax position, and long-term wealth — then help you borrow intelligently with a strategy you can defend for years.
📊
Total Cost Analysis (TCA)
Forget the standard fee worksheet. I build a full financial analysis for every client — comparing true cost of ownership across scenarios, accounting for equity build, tax benefits, and opportunity cost. You make decisions with real data, not guesswork.
🤝
A Connected Team Working for You
When you work with me, you get more than a mortgage advisor — you get access to a trusted network. I work alongside real estate agents, financial planners, CPAs, and attorneys to make sure every piece of your transaction moves together. You get coordinated guidance, not siloed advice.
🔒
Client for Life Promise
Once you're a WealthPlan client, you're a WealthPlan client for life. Past purchase clients pay discounted underwriting or processing fees on future refinances. The relationship doesn't end at closing — it's just getting started.
The WealthPlan Difference

What Banks and Credit Unions
Simply Won't Do

01
Complex Jumbo (Non-Warrantable, Foreign, High LTV)
Banks pass on these. We build solutions around them — non-warrantable condos, foreign national buyers, high-LTV jumbo scenarios most institutions won't touch.
02
Bank Statement & Self-Employed Income
Qualify using 12 or 24 months of deposits — no tax returns required. Business owners and self-employed borrowers get the financing they've earned, without the run-around.
03
2nd Mortgages on Investment & 2nd Homes
Bank statement income options on second mortgages for 2nd homes and investment properties. Banks rarely go here. We do it routinely.
04
DSCR & Investor Cash Flow Loans
Qualify on rental income, not personal income. Built for real estate investors who want to scale without W-2 limitations.
WealthPlan vs. Banks & Credit Unions
Program
Bank
WealthPlan
Complex Jumbo
✕
✓
Bank Statement Loans
✕
✓
DSCR / Investor Loans
✕
✓
Foreign National
✕
✓
2nd Mortgages (Bank Stmt)
✕
✓
Asset Depletion Income
✕
✓
Recent Credit Events
✕
✓
Total Cost Analysis
✕
✓
Client for Life Promise
✕
✓
Keys on Time™ Guarantee
✕
✓
Loan Programs

The Right Loan for Your Situation.

Not sure which loan is right? Every client's scenario is different. Hover any program to explore — tap on mobile. Then let's talk — no pressure, no credit pull.

🏠 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
🏦 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
⭐ 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
🌾 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
💼 Jumbo Loans
Complex
High-value & non-warrantable scenarios.
  • Complex jumbo others won't touch
  • Non-warrantable condos, foreign nationals
  • Fixed, ARM, or interest-only
  • RSU income & asset depletion accepted
💵 Down Payment Assist
Buy with as little as 1% down.
  • APM 1% Home — we provide 2% grant
  • National & regional DPA programs
  • Forgivable and repayable options
  • No first-time buyer req. on many programs
📄 Bank Statement Loans
Self-Employed
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
🏗️ Non-QM Loans
Flexible
Income outside W-2s? We have options.
  • Investor cash flow & DSCR loans
  • Asset depletion / asset-based income
  • Foreign national programs
  • Recent credit events considered
📈 DSCR / Investor Loans
Investor
Scale your portfolio without W-2 limits.
  • Qualify on rental income, not personal income
  • Short-term rental properties eligible
  • No employment verification required
  • Multiple property financing available
🏡 Home Equity
Tap equity without refinancing your first.
  • HELOC — flexible revolving credit line
  • Fixed 2nd mortgage (lump sum)
  • Keep your low first-rate intact
  • Use for remodel, debt payoff & more
🌉 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
🔨 Construction & Renovation
Build or renovate in one loan.
  • One-time-close construction loans
  • Borrow based on after-improved value
  • FHA 203(k) and Freddie CHOICERenovation
  • Use owned land as down payment
Exclusive APM Tools

Advantages That Help You Win.

Through American Pacific Mortgage, WealthPlan clients get access to proprietary tools that give you a genuine competitive edge — from rate protection to guaranteed closings.

Rate Protection
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 covered.
No home yet? Lock now. Rate shopping is over.
Closing Guarantee
Keys on Time™
Full underwriting approval before you're under contract — making your offer as strong as cash in a competitive market. If we miss your closing date, APM pays you or the seller $2,000. That's a guarantee, not a promise.
Miss the close date? APM pays $2,000. We don't miss.
New Construction
Builder Advantage
Building a new home? Extended rate locks, preferred pricing, streamlined builder approvals, and dedicated support through every phase of construction. We speak builder — so you don't have to.
Extended rate locks + preferred pricing for new builds.
Payment Strategy
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 — a 2/1 buydown can lower your payment significantly at the start when cash flow matters most.
Lower payments now. Full rate later. Strategy over panic.
Mortgage Calculator

See What You Can Afford.

Estimate your monthly payment in real time — then reach out for an accurate quote based on your actual situation.

Estimated Monthly Payment
Total Monthly
$2,129
Estimate based on your inputs
Principal & Interest —
Property Tax —
Homeowners Insurance —
Mortgage Insurance (Est.) —
Information and interactive calculators are made available as self-help tools for independent use and are not intended to provide investment advice. All examples are hypothetical and for illustrative purposes only. Seek personalized advice from qualified professionals regarding all personal finance issues.
How It Works

A Clear Path From Strategy to Keys.

I take ownership of the process so you never wonder where things stand.

1
Strategy Call
We talk through your goals, timeline, budget, and financial picture. No credit pull, no pressure — just a real conversation about what makes sense for you and where you want to be.
2
Total Cost Analysis
I run a full TCA — comparing true cost across scenarios, factoring in equity build, tax benefits, and opportunity cost. You see every option clearly before making a move.
3
Underwriting & Approval
My team processes your file with underwriter-level precision. You're informed at every milestone. No surprises. Our Keys on Time™ guarantee backs this up with a $2,000 commitment.
4
Close & Build Wealth
Sign, get your keys, and move in. Then the real work begins — I stay engaged, monitoring your position for refinance opportunities, equity access, and next-property strategy.
Dustin Passalacqua
CLA®
Certified Liability Advisor
About Dustin

You Deserve Someone Who Sees the Whole Picture.

Most people shop for a mortgage by rate. I help clients make mortgage decisions they can defend years from now. My approach is built around mortgage planning, scenario modeling, and liability management. That means looking beyond the interest rate and beyond the initial payment to help clients structure debt in a way that supports cash flow, flexibility, and long-term financial stability.

I work with homebuyers and homeowners across a wide range of situations, from straightforward financing to scenarios that require a more thoughtful strategy. In some cases, that means helping clients think through trade-offs more clearly. In others, it means finding a responsible path when the first option is not the right fit.

As a Mortgage Advisor, I bring a planning-based lens to the mortgage conversation. I believe a mortgage should be evaluated in the context of the client’s bigger financial picture, including monthly cash flow, reserves, opportunity cost, and future flexibility. My role is not just to help clients get a loan done. It is to help them borrow wisely.

For clients and referral partners alike, I aim to be a trusted resource for clear guidance, practical structure, and mortgage decisions built on strategy rather than headlines.

Branch Manager · American Pacific Mortgage Corporation
Certified Liability Advisor (CLA®) — Borrow Smart University
Licensed in Ohio · Kentucky · Virginia · Tennessee
Board Member · Rotary Club of Strongsville
NMLS #1782896 · Branch NMLS #2461817
Apply Online Book a Strategy Call
Client Stories

What Clients Say.

229 verified five-star reviews on Experience.com — and counting.

Common Questions

Answers Without the Runaround.

Currently licensed in Ohio, Kentucky, Virginia, and Tennessee. WealthPlan Mortgage Advisors operates as a division of American Pacific Mortgage Corporation (NMLS #1850), which is licensed across multiple states — contact me directly if you're outside these states to discuss options.
The CLA® designation from Borrow Smart University trains mortgage professionals to analyze debt holistically — not just the rate, but how a mortgage fits into your entire financial picture. It means I'm trained to look at your net worth, equity trajectory, tax implications, and long-term wealth strategy before recommending a loan structure. Most loan officers aren't trained this way.
Yes — this is a core specialty. Through bank statement loans, I can qualify you using 12 or 24 months of deposits from personal or business accounts, with no tax returns required. Loan amounts up to $5M. If you have asset depletion income, DSCR rental income, or other non-W-2 income sources, I have programs for those as well.
Keys on Time™ is an APM program that provides full underwriting approval before you go under contract — making your offer as competitive as a cash offer. If APM misses your agreed-upon closing date due to a lender error, APM pays you or the seller $2,000. It's a guarantee backed by real money.
I work as a true business partner — not just a referral recipient. For real estate agents, I bring marketing tools and educational content that helps them attract clients, which creates a referral loop that benefits both parties. For financial planners, CPAs, and attorneys, I bring mortgage-specific expertise that complements their financial planning work. If you're a professional looking for a mortgage advisor who can add value to your practice, let's talk.
Standard pre-approval is typically within 24 hours. For competitive situations, Keys on Time™ full underwriting approval can be completed before you're even under contract — turning your offer into the strongest one in the room.
Get in Touch

Ready to Start?
Let's Talk Strategy.

Every inquiry is handled personally. No call center, no automated system. You'll hear from Dustin directly.

📞
Direct Line
(440) 781-5691
✉️
Email
dpassalacqua@apmortgage.com
📍
Office
629 West Bagley Rd
Berea, OH 44017
Send a Message

WealthPlan Mortgage Advisors serves homebuyers, homeowners, and real estate investors across Northeast Ohio including Cleveland, Berea, Strongsville, North Olmsted, Westlake, Rocky River, Parma, Lakewood, Avon, Avon Lake, Bay Village, Fairview Park, Olmsted Falls, and throughout Cuyahoga County and Lorain County. Dustin Passalacqua is licensed in Ohio, Kentucky, Virginia, and Tennessee (NMLS #1782896), serving clients statewide in each licensed state. WealthPlan Mortgage Advisors is a division of American Pacific Mortgage Corporation (NMLS #1850).