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Kelly Gardner

NMLS #829533

Sales Manager | Loan Advisor • North County San Diego Branch

12 Years of Industry Expertise 
Cell: 949.678.9580
Fax: 855.696.9586
Licensed in CA

Kelly Gardner

Sales Manager | Loan Advisor San Diego Branch NMSL #829533

949.678.9580
855.696.9586
Branch Address: 404 Camino Del Rio S, Suite 602 San Diego, CA 92108

About Kelly


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

See what my customers are saying...

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Kelly has been very helpful in assisting us with a home mortgage. She has made the process very easy and has taken a great deal of time in assisting us. We are very grateful for her help.

Bill Papanos - Finance Director

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Kelly was amazing. She was ahead each step of the way and kept me well informed as to the process and choices I had. She made the process as stress free as possible. I wouldn't hesitate to recommend her to my friends and work with her again. 

A. Lockhart - Client

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Kelly was incredible to work with during every step of the home buying process. She was easily accessible and spent extra time explaining things to us. She went out of her way to advocate for us when we made offers on houses. I also felt like she had our best interest at heart when searching for the lowest interest rates and finding ways to put us in a solid financial position. She was so helpful and knowledgeable and I would highly recommend her! 

J. Ross - Client

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