American Pacific Mortgage Everett

NMLS #1062505
Licensed in AZ, CA and WA
At American Pacific Mortgage Everett, we think home ownership is a really big deal – likely the biggest financial decision of your life. And because of that, we have an unparalleled commitment to ensure you are fully informed throughout your mortgage process and have all the information you need to make a wise financial decision regarding your new home loan. Our knowledgeable Loan Advisors provide you with the mortgage knowledge and expertise that can only come from decades of hands-on industry experience.

We understand that each client is unique and that is why American Pacific Mortgage offers a diverse portfolio of customized mortgage products that assures every customer gets the ideal loan for their individual needs, the service they deserve and a commitment from our Loan Advisors throughout the process.

As a direct lender for Fannie Mae, Freddie Mac and Ginnie Mae, we offer Home Purchase or Mortgage Refinance home loans:
• Conventional & Jumbo home financing
• FHA mortgages which offer low down payment options
• VA government backed mortgages
• USDA home mortgages for “rural” properties
• Washington State Housing Finance & Down Payment Assistance

Let’s do this together. American Pacific Mortgage
Equal Housing Opportunity.


Recommendations (204)

Jul 1, 2020

Shane Hanson recommends Sandy Johnson

Returning Client

This is my second time working with Sandy on purchasing a home and she is truly amazing. Sandy kept us well informed and in the loop on our mortgage process. Her friendly and passionate personality make the home buying experience fun. Her knowledge regarding the mortgage process is why I will always come back for whatever my needs may be in the future. I truly recommend Sandy Johnson and the Everett Branch of American Pacific Mortgage.
Jul 1, 2020

Garrett Galbreath recommends Pamela Valadez, NMLS# 74006

Pamela presented excellent options based on what I was looking for. She understood my needs, worked with my realtor and found the correct product for me.
Jun 30, 2020

Robert Anderson recommends Pamela Valadez, NMLS# 74006

Totally satisfied with Pamela Valadez could not have done a better job
Jun 29, 2020

Heidi & Sam Jaksha recommend Pamela Valadez, NMLS# 74006


Very helpful. Easy to get ahold of. If we had questions, we didn't need to wait for days for Pamela to respond. She's the best! So knowledgable. We are finally finished with our refinance (the pandemic slowed things down). We are pleased with the results. We would definitely get in touch with Pamela again for any mortgage questions or concerns in the future. Shout out to Amy Schmitt for recommending Pamela to us.
Jun 26, 2020

Paul Osness recommends Kathy Cooley


Kathy is great! Process was easy and quick, no muss no fuss! Will definitely use this company again.
Jun 21, 2020

Raymond Swearingen recommends Tracy Joy

Cloud Architect

Tracy and her team were great. I refinanced my home, the process was smooth and the terms were very good.
Jun 18, 2020

Gordon S recommends Sandy Johnson

20 year fixed refi

Sandy made my refinancing effortless she is very profession, helpful, answered any little question i had, and knowledge in the industry. I felt like Sandy was really looking out for my best interest. I would recommend Sandy to anyone interested.
Jun 9, 2020

Rafael Cisneros recommends Kathy Cooley

IT Manager

Kathy is a true professional. She stepped us through the entire process of our refinance. She was quick to respond to any and all of our questions. The process could not have been any easier and that is a true credit to her knowledge and commitment to her clients. It is without hesitation that I recommend her to anyone for their mortgage needs. Thank you again Kathy!
May 21, 2020

Lauren recommends Suyny Tasaka, NMLS# 118667

Suyny was very helpful in our refinancing process and helped us get a wonderful rate. Thanks so much!!
May 15, 2020

Caitlin Burke Morrison recommends Mike Bon

wine steward

I wish I could give more than 5 stars to Mike and his team at American Pacific. They were awesome at every step of the way! It was an easy close and with the help of Mike, there were no surprises or issues during the entire process
May 13, 2020

Susan E. Eckstrom recommends Mike Bon


I experience first hand how Mike Bon treats his clients. I would and have recommended for my own family. Personally, I believe that’s the highest regard anyone could have for another business person’s practices.
May 12, 2020

Chayla Muffler recommends Sue Hall

Sue was amazing in helping us navigate home buying for the first time! We are so happy we chose her. She even sat on the phone with my husband for 2 hours one evening answering his questions. You want her on your team!
May 12, 2020

Gary A Buhr recommends Sandy Johnson

Managing Broker

Sandy is very well educated and has wonderful communication skills. Our last transaction went smoothly without surprises and that is what we like in the professional Real Estate business. Thank You for Great Service!
May 6, 2020

Haley Redmon recommends Sue Hall

I met Sue at a first time home buyer's class and knew that I wanted to work with her. Throughout the entire process, even before we started officially looking for our first home, Sue was there to help guide us through the process. She was helpful, thorough, and kind. When reaching out with a question, she responded to us almost instantaneously. She was patient and walked us through each step, this being our first home. She never made us feel silly or like we were asking too many questions. She was genuinely excited to help us and got us a great deal on our mortgage. I cannot recommend Sue Hall enough. She was a pleasure to work with and I will not doubt choose her for future mortgage needs.
Apr 29, 2020

Jose Villagomez recommends Pamela Valadez, NMLS# 74006

Project Manager

Extremely pleased by the way Pam handled our loan process and all of of the work that was put in to make Jessica and I home owners. I will and am recomending Pam to anyone who is looking to start a new chapter in their life which I will know she will guide them to success. Thank you again Pam! See you on the next one! :)
Apr 28, 2020

Quiktcia Hernandez recommends Pamela Valadez, NMLS# 74006


She is always available, knowledgeable and very helpful 👍🏼
Apr 15, 2020

Karl Schmitz recommends Lisa Steffan

Retired Air Force Officer and School Teacher

Any former military (VA mortgage holder) receives barrages of solicitations almost daily; Lisa Steffan and her associates has always been able to cut through the garbage and identify the best options for me. She is true to her word and is 100% dependable.
Apr 8, 2020

Russ Marini recommends Kathy Cooley


This is the first time I've worked with Kathy, and it will not be the last if I need her services. The closing went absolutely smooth with Kathy ahead of the curve every step of the way. It was quick and efficient, and dealing with Kathy was a pleasure. High recommend her for refinancing.
Apr 8, 2020

Tammy McArthur recommends Tracy Joy

Office Manager Dolan Hospitality

Tracy and her team did a great job on making my refinance a simple quick process.
Highly recommend this group!
Mar 21, 2020

Connie Redden Peterson recommends Karen Sibley


Karen and her team were absolutely the best in what started out to be a tough situation for my client. They were relocating from another state and their relocation lender denied them a loan.
I asked them to speak with Karen and she was able to look at the BIG picture, gather additional information from my clients and to see how to structure the loan package to secure them a loan. I can't even begin to tell you how happy they were with Karen and her Team. Karen with AP mortgage is always my first choice to refer my clients too and she should be yours too!!!
Mar 19, 2020

Marleen Hoerner recommends Pamela Valadez, NMLS# 74006


Pamela Valadez just refinanced our house. She made the process completely easy and smooth, from inception to closing. She even arranged an Escrow officer to come to our house to do the final signing, saving us a trip out in these perilous times. Pam was outstanding!
Mar 8, 2020

Mark Shideler recommends Sue Hall

Sue's 40 + years in the business really shows. Professional, knowledgeable and patient. Sue helps you understand the process from beginning to end with a minimum amount of stress. I always felt confident on what to expect and what comes next. She is a tireless advocate, always with her customers best interests in mind. Thanks Sue!
Mar 5, 2020

Georgia Ferrer recommends Sharol Klise

VP Of Property Management

We just completed a refinance of our house with Sharol who saved us several hundred dollars per month and handled everything. I would recommend Sharol to anyone looking to save in today's market.
Mar 2, 2020

Brian and Veronica recommend Tracy Joy

Repeat Customer

We have worked with Tracy and her amazing team twice - once for the original purchase of our home and then for the refinance a few years later. Tracy was recommended by a long-time friend and realtor and she did not disappoint! Both times the process was easy and successful and the support from Tracy and her team was great. We will definitely work with her again when the time comes and we look forward to her informative updates in the meantime. Thanks Tracy!
Feb 27, 2020

Amy Burns recommends Sharol Klise


Sharol was so easy to work with! She was patient with all my questions and seemed to have our family’s best interests in mind. She helped us raise our credit score and lock in a fantastic rate. Highly recommend her & her company!!

Our Team

  • Sandy Johnson

    Sr. Loan Officer & Branch Manager-NMLS# 75395/1850
    Washington State and Nevada

  • Karen Sibley

    Loan Officer & Branch Manager-NMLS# 73827/1850

  • Ron Autry

    Senior Loan Officer-NMLS# 71811/1850

  • Rosa Briggs

    Sr. Mortgage Advisor-NMLS# 117032/1850 - AZ#0922278

  • Suyny Tasaka, NMLS# 118667

    Loan Advisor
    Washington State, California and Nevada

  • Mike Bon

    Senior Mortgage Consultant-NMLS# 119781/1850

  • Kathy Cooley

    Senior Loan Officer-NMLS# 78175/1850

  • Tracy Joy

    Loan Officer - NMLS #115424 / 1850
    Washington State

  • Sue Hall

    Sr. Loan Officer - NMLS#183396 / 1062505 / 1850
    Washington State

  • Sharol Klise

    Mortgage Loan Officer - NMLS#505331
    Washington State and Idaho

  • Lisa Steffan

    Sr. Mortgage Consultant - NMLS# 87746
    Washington State

  • Pamela Valadez, NMLS# 74006

    Mortgage Loan Officer
    Washington State