<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=750730591729193&amp;ev=PageView&amp;noscript=1">
Kelly Gardner, Sales Manager | Loan Advisor

Sales Manager | Loan Advisor

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

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.

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

See what my customers are saying...

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

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

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

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

Download Now

Which Mortgage Loan Suits Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide between various loan options.

Download Now

5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

Download Now

Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

Download Now

Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

Download Now

Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

Download Now

Thanking our Servicemembers: Your Guide to a VA Loan

In this guide, you will learn why VA loans are a great option for homeownership for active members and veterans in our armed forces.

Download Now

Home Buyer Blog