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Loan Advisor

Jennifer Gallardo

NMLS #1468309

Loan Advisor  • Salem Branch


phone: 503.935.2349
Licensed in OR

About Jennifer

I believe in the American Dream of homeownership. Whether you’re searching for your first home, securing an investment property, or financing a vacation home for your family – I am passionate about your dreams. I do not take lightly the trust that my clients instill in me. Securing a mortgage for your dream home can be an emotional journey, and as your personal mortgage advisor I keep your interests in mind. I never forget the big picture when your dreams are at stake. 

 I’ve been in the mortgage industry since 2012 and I love coming to work each day.

 My commitment to service stems from a deep concern for people, and intensive training that goes well beyond state and federal requirements. I care for my clients like family and strive to provide you with a seamless mortgage experience from start to finish.

 At the heart of everything I do is my family. My husband and I have been together 11 years. We spent 4 of these years in South Carolina, where my husband served in the Marine Corps, but we finally made our way back home to Oregon in 2011. We love to explore and travel, meet new people, hike and spend time with our dogs. I also love giving back and spend many hours volunteering and donating to causes that are near and dear to my heart.

 American Pacific Mortgage is more than just a Top 10 Retail Mortgage Bank. I partnered with American Pacific Mortgage because of their long track record of giving back. I am proud to be affiliated with a company that is committed to caring for their employees, their clients and the communities where they live.

 Let my passion make your homeownership dreams a reality. 

My Specialties are:

Veteran’s Financing

First-Time Homebuyers

Education & Advising

Government Loans

FHA Specialist

Refinance Specialist

Down-payment Assistance Programs

Rehab/Renovation Financing


 

  Branch Address: 471 Lancaster Dr. NE Salem OR 97301

 

 

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.

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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.

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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.

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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.

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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.

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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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Home Buyer Blog

Let us help you find the home loan to reach your financial goals.

American Pacific Mortgage Programs

Your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer may stand out in a competitive market. Keys on Time Guarantee Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Secure Lock Our Bridge Loan programs can help you purchase a new home before your existing home is sold. Bridge Loan Programs If you are looking to buy a home that exceeds conforming loan limits, we have multiple Jumbo loan programs to choose from. Jumbo Programs Our Peak Loan program allows you to buy a home up to $1.5M with only 5% down. Peak If you are looking to finance a home that exceeds conforming loan limits, our High Balance Solutions program may be the ticket you need. High Balance Solutions If you are looking to finance a home that exceeds conforming high balance loan limits, you can split the loan amount between a first and second with our Jumbo Solutions program. Jumbo Solutions With our Expanded Access program, we have opened the doors to borrowers who need access to financing but don’t "fit" the standard agency or jumbo program guidelines. Expanded Access Investor Advantage gives you purchasing power in the market today for investment properties. Investor Advantage A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. Asset Inclusion If you can dream it, you can make it a reality. Finance the purchase of your fixer upper with the cost of repairs included in your mortgage. Dream Home Renovation Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines. Home Ready by Fannie Mae Purchase a home with low down payment and flexible sources of funds. Home Possible A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. STaR Loan Program Financing provided for the purchase and refinancing of manufactured homes. Manufatured Housing