The Card Team

The Card Team We are committed to finding the right solution for your individual home financing needs. NMLS 235218

We strive to create lasting relationships with mutual trust, with our clients. We customize loans to fit our clients' needs, for both purchase loans and refinances. These include conventional, jumbo, FHA, VA, and Reverse home loans. As a mortgage banker, we handle everything in-house with a team that has been working together for over 18 years. Our recent merger with American Pacific Mortgage (APM

) has provided even more loan programs for those loans that are "outside the box." These include Bridge loans, Keys on Time guarantees, bank statement loans, no-or low-down payments, and Alternative financing. We specialize in self-employed and high-asset clients with complicated finances but also love working with first-timers. It is always our goal to provide up-front education to our clients, to explain the loan pricing and underwriting process, and to enable a smooth transition through closing. Karen Card
Senior Loan Officer
NMLS 235218

Katie Card Neidermire
Loan Officer
NMLS 1714204

Stephanie Berry
Loan Officer and Assistant
NMLS 2001945

Licensed by the Dept of Financial Protection and Innovation under the CRMLA
AZ Corp BK 0906702
Licensed in CA, AZ

Crazy weekend filled with activity. First —opening day at Dana Point yacht club, then the Angel game and finally the can...
05/19/2026

Crazy weekend filled with activity. First —opening day at Dana Point yacht club, then the Angel game and finally the candlelight concert at the Newport Hyatt.

Lots of fun at last weekends cinco de Mayo dinghy round up in the harbor at Dana Point. This event is hosted annually by...
05/09/2026

Lots of fun at last weekends cinco de Mayo dinghy round up in the harbor at Dana Point. This event is hosted annually by Dana Point yacht club.

Great weekend with the DPYC crew in Ensenada for the N2E race.
04/27/2026

Great weekend with the DPYC crew in Ensenada for the N2E race.

Fun Sunday at the musical theatre west to watch In the Heights with my partner and daughter! Fabulous dancing and ...
04/22/2026

Fun Sunday at the musical theatre west to watch In the Heights with my partner and daughter! Fabulous dancing and singing!

04/18/2026

Buy before you sell
"We love our house. We just love the idea of our next house more — but we can't buy until we sell."
Sound familiar? That's exactly what bridge financing is designed to solve. Tap into your current home's equity, make a strong non-contingent offer, and move on your timeline — not the market's.

Karen Card
American Pacific Mortgage · NMLS #235218
714-290-6940 · [email protected]
DM me or call/text me

Interesting visitor to our greenbelt this week! A great egret! Busy eating lizards….
04/13/2026

Interesting visitor to our greenbelt this week! A great egret! Busy eating lizards….

Only a couple of peeps missing - the spectators!
04/06/2026

Only a couple of peeps missing - the spectators!

Great a birthday week with lots of fun and family!
03/23/2026

Great a birthday week with lots of fun and family!

Big dreams need flexible options. Whether you need a higher loan amount, minimal down payment, or want to skip mortgage ...
03/19/2026

Big dreams need flexible options. Whether you need a higher loan amount, minimal down payment, or want to skip mortgage insurance, let’s find a loan that fits you.

03/18/2026

Address

24701 La Plaza Ste. 103
Dana Point, CA
92629

Telephone

+17142906940

Website

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