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Kelly Gardner

Sales Manager, NMLS# 829533/1850 American Pacific Mortgage
Head of sales team specializing in outside sales for the San Diego branch of American Pacific Mortgage. APM has been an industry leader for more than 20 years and provides tremendous resources and support to assist my referring partners and clients in this ever changing mortgage market. We offer a full range of products including reverse mortgages!

Our In-House lending platform, consisting of on-site underwriters, document drawers, and funders, has assured our position in the marketplace as a local Direct Retail Mortgage Banker positioned to meet the needs of our local community.

My goal is to simply and clearly explain mortgage financing so that you can determine which program provides the greatest benefit.

Please contact me for any of your home lending needs at 949-678-9580.

NMLS: 829533/1850

Equal Housing Opportunity
Feb 21, 2024
Kelly was great to work with! Very knowledgeable, quick to respond and always helpful!
Jan 29, 2024
I absolutely recommend Kelly for any home purchase! She was extremely easy to work with and professional all the way through. She was fast to respond and easy to get ahold of. Will definitely recommend to anyone that needs a loan or refinance.
Aug 12, 2023
Kelly was amazing to work with from start to finish. She was very thorough and kept us informed. I would highly recommend her to anyone who needs to get a loan. Thank you for helping us buy our family home.
Jun 16, 2023
Highly recommend! We first contacted Kelly many months ago when we first started exploring buying a condo. She was patient, knowledgeable and was able to explain things in a way that made sense! (Not always easy in this industry!) She was always extremely quick to respond and supportive in any questions that we had. Once we put in an offer, she was able to quickly provide updates to calculations along the way. She made buying our home a smooth and stress free experience! Highly recommend! Excellent customer service that won’t disappoint!
May 18, 2023
Homeowner
Kelly was awesome to work with! As first time home buyers, she really took the time to make sure we felt comfortable with all the details. She went above and beyond, couldn't recommend her enough.
Apr 7, 2023
Kelly was awesome from the start. She was knowledgeable, professional and extremely thorough. All the things needed. I’d highly recommend using her and will be back with further business.
Mar 14, 2023
Repeat Client
Kelly was great throughout the entire process, took the time to explain things and always kept us updated on where we stand. I appreciate her help and approach of making things easy. I will definitely be back again for future purchases.
Mar 2, 2023
This was our first experience buying a home, and Kelly far exceeded our expectations for a lender. She answered all of our newbie questions about the process and was consistently responsive, efficient, and professional. She worked seamlessly with our agent and the seller and was able to close on time in 21 days, which was a primary reason the seller chose us among multiple (higher) offers in the competitive Bay Area real estate market. We highly recommend!
Dec 8, 2022
Client
Kelly is a fantastic loan officer! She is incredibly knowledgeable and helpful, and made the process of securing a loan smooth and stress-free. Kelly is a true professional and went above and beyond to make sure I understood every step of the process and felt comfortable with my decision. She answered all of my questions promptly and thoroughly, and was always available to provide guidance and support. I would highly recommend Kelly to anyone looking for a loan officer, as she truly cares about her clients and wants to help them achieve their financial goals. Thank you, Kelly, for all of your hard work and dedication!
Dec 8, 2022
Homeowner
Kelly and her team were amazing! We had an awful experience with our first lender. Kelly and her team stepped right up and made our first time home buying experience a dream. Kelly and her team made a once stressful situation a breeze. For my husband and I , since we switched lenders, we had a tight timeframe to close. Kelly and her team were great at answering all our questions and keeping us updated throughout the whole process! Thank you so much Kelly for all your hard work and support in helping us secure our loan! We really appreciate it!
Oct 19, 2022
Working with Kelly was a true dream. She kept us informed of everything that was happening when it was happening. Very happy with her work and the final result. Would recommend her and her team to anyone.
Jul 19, 2022
Homeowner
We make it a practice to have at least two loan providers on every transaction as we have found out the hard way that past performance isn't aways an indicative of future results. Sure enough Kelly who had been our back up ended up taking the pole position. Thank you Kelly and all of your team you are all professionals.
Jun 28, 2022
Kelly, Stacie, Craig, and Jordyn all exceeded my expectations. Kelly was originally recommended to me for a mortgage on a condo in Mammoth, Ca. I was informed that only a few people know how to properly package a loan for that area. I was skeptical and got a few quotes from several brokers and banks I’ve dealt with in the past. Kelly knew exactly what we were buying and helped explain all of the types of loans available for the type of condo I was purchasing. My scenario was different compared to any I’ve ever dealt with in the past. After questioning my other brokers I quickly realized that they we not familiar with dealing with a Mammoth condo and knew I couldn’t take that chance. Especially when Kelly was less than 1/4% APR from the cheapest person.
I had a 30 day escrow which is very short for how much needed to be done. Kelly and her crew made it happen. Everyone was helpful, professional, friendly and very down to earth.
I highly recommend AP Mortgage, especially for the Mammoth area.
Jun 2, 2022
Kelly and her team were excellent! As first time homebuyers, the whole process could get really overwhelming, especially in our situation wherein we had a tight timeframe to close. Kelly and her team were so great at answering all our questions and keeping us updated throughout the whole process! Thank you so much Kelly for all your hard work and support in helping us secure our loan! We really appreciate it!
Jun 2, 2022
2nd Time Clients
This is our second time working with Kelly, she is always efficient and helpful. A great experience for my husband and I. Kelly is always on top of the task and is always available at a moments notice. She could answer any question I had and was careful to explain things patiently. She is very professional and never too busy, I would recommend her to anyone needing a lender.
Jun 2, 2022
Homeowner
Kelly and the APM team are rock stars. In the fast world of real estate, they are patient with your questions but act swiftly when it comes to underwriting and closing your transaction. As first time home buyers, Kelly did a great job of explaining how rate locks work and the time it’d take to break-even. She was never pushy and was a guru at making sure you were spending your money the most prudent way possible.

Kelly and APM were extremely responsive to our questions, so we never felt lost during the process. We recommend Kelly and APM for your future mortgage needs, they’ll get the job done in an efficient manner!
May 2, 2022
Satisfied Buyer
I cannot give Kelly enough praise about the processing of applying for and receiving our mortgage with Kelly! Kelly and her team responded with lightning speed to all requests, clearly explained each step of the process and ushered us through to the closing. I’ve applied for a number of mortgages throughout my life and have never had such a professional, efficient experience as I’ve had with Kelly.
Apr 27, 2022
Kelly was great! She was so attentive and responsive, unlike so many lenders I have dealt with. I know she is busy but she always made time to make sure we were informed about the process and what to expect!
Apr 12, 2022
Words cannot describe how grateful I am to have found Kelly and her team (Jordyn). As first time home buyers I had so many questions, Kelly was always super patient and responsive and she gave us the best rates and fastest closing time of all the other lenders we called. When we put in offers, she always called the listing agent to make sure our offer is stronger even though she completely didn't have to do that (not to mention we kept losing bids). When we are in escrow that is when she really shined. Multiple issues came up on our end including a late payment that wasn't our fault, many complicated accounts, IRS taking much longer than expected, everything that could have gone wrong went wrong but everytime Kelly and her team came through. They are always available, working late after hours and on weekends, giving us multiple options, working with us to resolve every issue and reworking the file multiple times to make sure we have the best rates possible even though it means more work on their end. In the end, despite all the hardships we were able to close on time which is just a miracle and that is all because Kelly and Jordyn were so diligent and hardworking!

As a realtor I will be recommending Kelly and her team to all my clients. I cannot say enough good things about them. They really had our best interest which is rare in this market these days and again and again they came through when problems arise. Go with them and you will not be disappointed!
Mar 31, 2022
I can not say enough wonderful things about Kelly! From day one until closing she was 100% on top of things. She made the process seamless and painless every step of the way. I will recommend her to everyone I know!
Mar 31, 2022
Client
Kelly was amazing to work with. She made the whole process simple and she always had time to answer all of our questions. I would highly recommend her for all of your home loan needs!
Mar 31, 2022
Impressed Homebuyer
Kelly was amazing. I could go on and on but will sum it up with that to start. It had been over a decade since I’ve bought a home, I felt overwhelmed. Kelly answered all our questions, was clear on what was needed from me, fulfilled all promises on her end and was prompt in communication. I can’t say enough great things, I’m grateful for her help.
Jan 8, 2022
I have referred people to Kelly and will continue to do so. She helped us with our original mortgage and a refinance. She has excellent follow up and keeps the process moving. She’s easy to get a hold of and knows her stuff. So grateful for her.
Dec 21, 2021
Kelly is amazing. She’s helped us buy our home and refinance twice. I’m always blown away by how knowledgeable she is and helpful in every way. You know when working with her she’s truly there to help you.
Dec 20, 2021
Yet again Kelly was stellar in helping us purchase our second home. This was our second close with Kelly and it won't be the last. Kelly was very informative about the process and aways there to help with any questions as no two transactions are alike. We always feel confident with Kelly at our side and can't recommend her enough!

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