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Encinitas, CA Branch

At American Pacific Mortgage, our vision is to be a top mortgage lender in America. We pride ourselves on earning our client’s respect and trust by providing them with exceptional service, offering competitive rates in the industry and by always acting with our clients interests in mind. We believe that our commitment to our customers and our community is the cornerstone of our success.

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American Pacific Mortgage
515 Encinitas Blvd, Suite 202
Encinitas, CA 92024
Phone: 760.557.2230
NMLS #1438220
Licensed in CA

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Kolby Gibson, Branch Manager

Branch Manager

Kolby Gibson

NMLS #324487 | CA BRE #1029518

Branch Manager • Encinitas Branch

25+ years in the business
Direct: 760.557.2230
Cell: 760.822.3640 
Fax: 760.452.2565
Licensed in CA

Loan Advisors

Lorrie Vercoe

NMLS #314719 | CA BRE #01205787

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Yancy Matinson

NMLS #316001 | BRE #01409307

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Laura Silva

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Ryan Lyle

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Susan Wheeler

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