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Kolby Gibson, Branch Manager

Branch Manager

Kolby Gibson

NMLS #324487 | CA BRE #01029518

Branch Manager  • Encinitas CA Branch 

Phone: 760.557.2230
Cell: 760.822.3640
Fax: 760.452.2565
Licensed in CA

About Kolby

 Kolby has been in the mortgage industry since 1987. He has consistently been a top producer in his field, and specializes in Conventional, FHA, and VA Loans. He utilized his knowledge and reputation to establish Coastal Cities Mortgage in 1998, which was ranked as one of the top mortgage companies in San Diego from 2005 to 2008 by the San Diego Business Journal. Here at APM, he serves as branch manager—and looks forward to helping you and your clients achieve their dreams today.

Kolby graduated from Cal State Northridge in 1984 with a Bachelor of Science in Business, obtained his California Real Estate Brokers License 1998 and his Sales License in 1989. He has 4 children and a beautiful wife of 26 years. Kolby enjoys surfing at the beautiful San Diego beaches. He also likes to keep active by engaging in running, basketball, and skiing.

 Branch Address:  515 Encinitas Blvd, Suite 202 Encinitas, CA 82024

What our customers are saying...

Thank you again for all of your patience and your steadfast commitment in getting our loan pushed through. We are so very grateful and will be thanking you for years to come. It was a pleasure working with you!


That is the best news, and makes our world that much brighter in dealing with a college expenses, etc. Yes!!! Like I said yesterday, thank you for going the distance and making it all happen for us, Kolby! We are ever so thankful!


Thank YOU for making our Refi happen, and for your steadfast commitment to seeing it through!

We are so very appreciative, and will be thanking you often as the funds and reduced mortgage payments will help to bring a sense of financial peace to our lives. J We will certainly thank Mike for referring us to you… he is on of our favorite individuals, and any friend of his is a friend of ours.

We will send you referrals whenever we can…


Free Resources

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

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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.

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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.

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

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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.

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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.

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