Kelly Gardner

Sales Manager, NMLS# 829533/1850 American Pacific Mortgage San Diego
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
Jun 23, 2020
Kelly was amazing. From beginning to end she kept me informed through every step of the process. Kelly answered every question with the utmost intent of making sure I understood the situation and answer. She resolved a few potential snags in my refinance process, and gave me multiple scenarios for how things would play out. I owe many thanks And very appreciative because she ended up making my loan exceed my requirements. I highly recommend Kelly and will contact her again when I refinance for the final time. Thank you!
Apr 27, 2020
Self employed
Kelly was wonderful and patient while helping me understand refinancing a loan. She kept me in the loop of every aspect involved along with waiting for the right time to lock in a good interest rate. Kelly is very creative and knowledgeable in her field of mortgages !
Apr 24, 2020
Please know that you and Jordyn are really terrific at what you do. On a scale of 1 to 10, you score an 11. Will be in touch after this virus is behind us. Again, thank you for all you did for me.
Apr 16, 2020
Kelly is a true pro! She is organized, efficient, and she knows her stuff. Kelly is outstanding when it comes to communication. She has helped us with both our loans and both times we knew exactly what to expect every step of the way. There were no hidden surprises. Kelly is honest and straightforward. There's no one else we'd trust with such a big and important transaction.
Apr 10, 2020
New Home Owner
Hands down the Best in the Business! Kelly Gardner was recommended by my real estate agents Kerrick and Huda Helton. From start to finish, she blew my expectations out of the water.
Kelly went above-and-beyond providing paramount customer service through the entire loan process. No questions were too small or dumb, she was quick to answer and get back to me so I never felt ignored.

She walked me through all the steps, providing Easy digital paperwork, and explained all of it in greater detail. Kelly and I had multiple conversations about the changing interest rates, tax implications (credits and deductions), and even the return-on-investment aspect of owning a house.

Even when we ran into delays, Kelly was always there to help and work with me along the way.
The dream house went from a 30-day escrow to a 60-day because of the Corona Virus outbreak and untold leans on the house. She coached me through locking the best interest rate that she hadn’t seen in a decade for a conventional loan.

All in all, I cannot speak highly enough of Kelly Gardner! She is in a class of her own--Superior. I wholeheartedly recommend Kelly Gardner with American Pacific Mortgage, and I will not hesitate to recommend her to family and friends!
Mar 25, 2020
Kelly has been very helpful and responsive at an incredibly busy time! Much appreciated.
Dec 5, 2019
Kelly is amazing! She has been my go-to person for the past 8 years and now helping my entire family with their lending needs. Trust Kelly, she is the best of the best!
Dec 3, 2019
Repeat Client
This is the second home buying process that I have gone through with Kelly, and she was even better the second time. And that meant buying and selling were happening simultaneously, which I was expecting to 10x worse. But the opposite ended up being true, and the whole process was a breeze! As issues did pop up, I knew Kelly would help us take care of it. We are so thankful!!
Nov 7, 2019
Refi Client
Kelly, you and your staff were top notch! You were on top of everything and informed me in a timely fashion on rates, rate lock, and documents that needed completing, etc. Whenever I called or texted you or your staff was usually readily available and when not, you or one of your staff called back the same day or within an hour of when I left a message. Your advice on locking in a rate and adjusting downward when possible was spot on. What more can I say. You are 5 star all the way! Don
Apr 25, 2019
Kelly has done a couple of loans for clients now and she is fantastic. It is hard to find someone in lending that you can really count on to give you the truth as well as perform. She seems to always be available; I'm not even sure she sleeps ;)
Mar 18, 2019
Never in my 15 year career have I been so impressed with a lender, as I am with Kelly. She went FAR out of her way to try to save a deal between my seller and her buyers.

She went so far as to work extensively with my seller to work around Fannie Mae guidelines, even though she was on the buyer side.

Ultimately, she wasn't able to save my particular situation, but she went to above and beyond for all concerned, was pleasant, knowledgeable and responsive to all throughout the process.

She has earned my business and I would not hesitate to recommend her.
Mar 13, 2019
New Homeowner
Kelly was wonderful and our home loan process was quick and easy! Will totally use her again and recommend her! She was always available and explained in detail any questions I had
Mar 13, 2019
Kelly and her team were amazing during the purchase of our new home. She was capable of explaining everything in simple terms, seemed to always be available for questions, and was even able to explain how to get our credit up to bring our interest down. Not only is she great at that but she was capable of getting us in our new home in 20 days start to finish. I will definitely recommend Kelly and her team of professionals to friends, family, and co-workers. Thank you Kelly for this smooth and easy process.
Mar 6, 2019
Refi Client
Kelly was highly recommended to me, and throughout this process it was very easy to see why! The ups and downs of refinancing can be very high and very low, through all the adversity Kelly remained focused on keeping things up beat, by being very personable, positive and professional in addition to always looking out for my best interest! So informative during every phase from initial application all through the final signing phase! I’m so thankful for Kelly to have been at the forefront of my refinance! Thanks to Kelly and her team for getting the ball over the goal line because this is definitely a touchdown for me!!!! I will recommend her every chance I get!
Mar 6, 2019
Kelly is an absolute pleasure to work with. She is so smart and on top of everything. She is a great communicator, and is so helpful with walking you through all of the details. She was so great my realtor who had never worked with her prior was also raving about her and letting us know he was only wanting to work with her in the future. Kelly is caring and helpful. We will work with her again and recommend that everyone else do the same!
Feb 5, 2019
Kelly is absolutely by far the best lender I have ever worked with. She is extremely knowledgeable and she gets the job done quickly and efficiently. The entire process felt seamless. She knew exactly what we wanted and she helped us get into our dream home faster than we expected. I would consider Kelly to be an EXPERT in this field.
Dec 17, 2018
Extremely Satisfied Homeowners!
My husband and I are so appreciative of the professional and resourceful assistance that Kelly provided during the purchase process for our home. She was consistently present and communicative informing us of each detail. Her understanding of our household economy made it possible to move in step with the needs of her colleagues helping us to complete the necessary requirements step by step. We have known Kelly for several years as she has worked with others, we were again well impressed. Thanks Kelly! Jim and Linda Smith
Dec 17, 2018
My wife & I would like to acknowledge the exceptional service that we received during the entire refinancing process. Kelly Gardner's professionalism and knowledge of the industry was impressive and truly appreciated. In the past, we have had experience with several others banks and have found the process frustrating and tedious. Kelly went above and beyond to ensure that all of our needs were met and that everything was handled thoroughly and efficiently. Kelly has assisted us several times now and she always ensures that our needs are met and treats us like family. We have and will continue to use & recommend her services in the future.
Nov 6, 2018
Our excellent realtor introduced us to Kelly. They both did a fantastic job right from the beginning to completion of our home purchase. Kelly is very efficient, professional, and always prompt to answers questions. We strongly recommend Kelly!


Raj and Ruma
Nov 5, 2018
Kelly and her team treated us with the upmost respect and dignity. She made sure we understood every little detail of the loan process and answered any question in a timely manner. For being first time home buyers by the closing date we felt like pros!
Nov 5, 2018
New Homeowner
I'm a home owner now! Kelly, along with her ready-team, made themselves available through this confusing and lengthy process. I had all of my questions answered, some repeatedly - ha! I would recommend Kelly to anyone buying a home and needing to trust in someone to give you honest and upfront answers. Thank you Kelly!
Nov 2, 2018
Kelly Gardner is a kind, trustworthy, professional who always made herself available for assistance & service. She walked us through purchasing a condo in San Diego. I recommend her to everyone! Thank you, Kelly!
Oct 19, 2018
Our excellent realtor Steve Webber introduced us to Kelly. They both did a fantastic job right from the beginning to completion of our home purchase. Kelly is very efficient, professional, and always prompt to answers questions. We strongly recommend Kelly! Cheers, Raj and Ruma
Oct 19, 2018
Kelly is so incredible!! She made the loan process simple and stress free. She was easy to reach and answered all my questions! Kelly is the best when it comes to getting a loan!
Oct 3, 2018
Business Owner
I am a small business owner and had been told by other lenders that I did not qualify for a cash out refinance. However, with Kelly Gardner's knowledge and expertise she was able to help me secure the loan. Kelly is smart, service oriented and quick with her responses. I will highly recommend her to anyone I know that is either refinancing or purchasing a home.