Gayle McCarthy and Team

Gayle McCarthy and Team We are here to help you navigate home loans with clarity and confidence. Focused on real solutions, not just approvals. Let’s find the right loan for YOU!

Whether you’re buying, refinancing, or exploring options—We make the process simple and stress-free. Meet the mother and daughter team at American Pacific Mortgage. Branch Manager Gayle McCarthy NMLS 225960 and Office Manager Jenna Iverson, NMLS 1469659. The McCarthy Team is family – and we help families obtain the American dream of home-ownership. Gayle started in the mortgage industry in 1983 wh

ile working for Sierra National Bank. From there, she went to work for Central Pacific Mortgage as a loan processor, then manager for a total of 21 years. She is branch manager of American Pacific Mortgage for the last 16 years. She operates a second branch in Arizona, and has expanded licensing to include Texas to further serve customer needs. Her level of experience in the industry is hard to match. After graduating, Jenna worked as a Realtor in Tehachapi for four years before coming to work at American Pacific Mortgage eight years ago. That experience in Real Estate sales has given her a valuable perspective. She has complete understanding of a transaction from start to finish. She has worked in every aspect of lending from processing, to assisting loan officers, to origination of loan files. Service, service, service! Excellent customer service is the goal behind each and every transaction American Pacific Mortgage does. Obtaining a mortgage can be a daunting experience. A consumer’s mortgage is usually the largest financial decision a client will have to make. With a multitude of loan products available, it is of utmost importance to have professional guidance throughout the process. With the current challenges in the Real Estate markets today, it is more important than ever. The combined experience and strengths of The McCarthy Team insures that their clients are well taken care of. The mortgage industry is ever changing. American Pacific Mortgage is dedicated to staying on top of the latest products and technology. Technology is a great asset and convenience to our customers, but never a replacement for the “human touch” - “One loan does not fit all”. Our top priorities include making sure that our customers receive the best loan options for their individual needs, and that the loan process is as convenient as possible. It is just as important that our clients are fully educated and understand the loan they receive. Our success is measured by each satisfied customer, and the referrals that we receive from them. When outside of the office, both are involved in horses, team roping, and ranching. Jenna resides on her family ranch in Caliente that was established in 1868. Gayle splits her time between the Tehachapi office and the Arizona office. BRE 01063368 / 012159943 | NMLS 301003
Licensed by the Dept of Financial Protection and Innovation under the CRMLA

Our Veterans save money on every transaction!  Just our way to say "Thank you for your service"!
09/02/2026

Our Veterans save money on every transaction! Just our way to say "Thank you for your service"!

09/01/2026

Drowning in high-interest credit card or personal loan debt?
Your home equity might be the solution.

By tapping into the equity you’ve built, you could combine that debt into one manageable monthly payment—often at a much lower interest rate. That means less stress and more savings over time.

Whether it’s a cash-out refinance, HELOC, or home equity loan, we’ll help you find the right fit.

📩 Contact me today to get started!
https://myoc.io/

NMLS # 225960

08/31/2026

Happy Mortgage Monday!

Retirement Lending. It’s a thing!!

That satisfied feeling of getting a first time homebuyer into his dream home!!!  Happy Friday!
08/28/2026

That satisfied feeling of getting a first time homebuyer into his dream home!!! Happy Friday!

Real estate investors, this one's for you. Some programs look at what the property earns, not your tax returns. That can...
08/27/2026

Real estate investors, this one's for you. Some programs look at what the property earns, not your tax returns. That can open up ways to grow your portfolio without the usual paperwork limits. Worth a conversation if you've been holding back.
https://myoc.io/



NMLS # 225960

Calling all nurses!  Calling all teachers!  Let's not forget our law enforcement, fire fighters, and first responders!  ...
08/26/2026

Calling all nurses! Calling all teachers! Let's not forget our law enforcement, fire fighters, and first responders!

To those that make our lives healthier, smarter and safer - we thank you by offering savings on your mortgage loans!

Reach out today to how we can save you money!

Think you need perfect credit to buy a home? That's one of the biggest myths out there. Plenty of homebuyers qualify wit...
08/25/2026

Think you need perfect credit to buy a home? That's one of the biggest myths out there. Plenty of homebuyers qualify with credit that isn't flawless. You might be a lot closer to owning a home than you think. Let's look at where you actually stand.
https://myoc.io/



NMLS # 225960

08/24/2026

Mortgage Monday! Just some thoughts on tapping into your home equity! Have a great week!

Location is perfect, but house needs updating!!!  We can help!Ask about renovation loan options!
08/21/2026

Location is perfect, but house needs updating!!! We can help!

Ask about renovation loan options!

08/20/2026

The rules of mortgage lending have changed.

We believe home financing should fit your life, not the other way around.

If you’ve been told your credit score isn’t good enough to buy a home, it may be time for a second look. With a broad range of mortgage solutions, including programs designed for first-time homebuyers, borrowers with new or rebuilding credit, and those with unique financial situations, we’ve helped more people find a path to homeownership.
Don’t assume you don’t qualify. Let's Talk.
https://myoc.io/



NMLS # 225960

Address

Tehachapi, CA

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+16618225523

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