Kelly Gardner

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Kelly Gardner A seasoned loan officer since 2001, my goal is to help our customers get the home loan that is right for them as quickly and as easily as possible.

I am the Branch Manager for American Pacific Mortgage licensed and Serving CA, AZ, OR, TX, VA, WA, CO, DC, FL, MD, and GA. Give me a call at 949-678-9580. My goal is to simply and clearly explain mortgage financing so that you can determine which program provides the greatest benefit. NMLS ID #: 829533/1850

Specialties:
97% Lender Paid MI - sfr/pud,
85% Cash Out FHA
JUMBO’S up to $2.5 million
FHA Jumbo
FHA Flips over 150%
USDA
VA 100% LTV
FHA 203K Rehab Streamline
FHA/VA/USDA
FHA Credit Qualifying Streamlines
Conventional Flips
Super Conforming
HomePath
Manufactured Homes
Non-Occupying Co-Borrowers Conventional
HUD REO Repair Escrow
FHA, VA, USDA to 580 fico

Licensed in AZ, CA, OR, TX, VA, WA, CO, DC, FL, MD, GA
Regulated by the Colorado Division of Real Estate

Kelly Gardner NMLS ID #829533 Branch NMLS ID #1837828 www.nmlsconsumeraccess.org
Loan Officer
American Pacific Mortgage NMLS ID #1850
Equal Housing Opportunity
Licensed by the Dept of Financial Protection and Innovation under the CRMLA
Licensed under the Oregon Consumer Finance Act
AZ BK 0906702
Georgia Residential Mortgage Licensee
https://texreg.sos.state.tx.us/fids/201504377-1.pdf

Equity isn’t something you just have—it’s something you use. If it’s just sitting there, it’s not doing its job. Make yo...
15/10/2026

Equity isn’t something you just have—it’s something you use. If it’s just sitting there, it’s not doing its job. Make your equity work as hard as you do.
https://myoc.io/ApplyNowWithKelly

13/10/2026

Costs are up everywhere right now. If you own a home, you may already have some relief built in, whether that’s paying down high-interest debt or covering a surprise expense. Want to see what yours could look like? Send me a message.
https://myoc.io/ApplyNowWithKelly

Your home equity has been sitting quietly in the background for years. Time to give it main character energy.Whether tha...
08/10/2026

Your home equity has been sitting quietly in the background for years. Time to give it main character energy.

Whether that's a kitchen reno, paying down higher-interest debt, or funding something new, a HELOC lets you actually use your equity instead of just watching it sit there.

Curious what yours could do? Let's look at your options.
https://myoc.io/ApplyNowWithKelly

06/10/2026

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/ApplyNowWithKelly

01/10/2026

Your tax returns say one thing. Your income story may say another. 👀
Self-employed? Freelancer? Gig worker? Independent contractor? Traditional income documentation doesn’t always capture the full picture.
The good news? Your tax returns may not be the only way to tell your income story.
Bank statement loan options can give qualified borrowers another way to document income.
Let's connect to explore your options!
https://myoc.io/ApplyNowWithKelly

22/09/2026

Plot twist: You don’t have to be ready to buy a home to start planning for one. 👀
Sometimes the smartest first move is simply finding out what it would take to get there.
Start with a conversation. Let's connect!
https://myoc.io/ApplyNowWithKelly

17/09/2026

Your equity isn't just a number. It's cash you can put to work, on your terms.
Want to see what yours could do? Let's talk about your options.
https://myoc.io/ApplyNowWithKelly

Don’t waste your time on things you can’t control, people who don’t appreciate you, or opportunities that simply aren’t ...
15/09/2026

Don’t waste your time on things you can’t control, people who don’t appreciate you, or opportunities that simply aren’t meant for you.

Your time is valuable. Spend it where it matters.
https://myoc.io/ApplyNowWithKelly

Homeownership is one of life’s biggest milestones.Whether it’s a first home, moving up to a home that fits your growing ...
10/09/2026

Homeownership is one of life’s biggest milestones.

Whether it’s a first home, moving up to a home that fits your growing family, downsizing, relocating, or starting a new chapter, I’m grateful to help my clients and community navigate those important moments with confidence.

Thank you to my clients, referral partners, and local community for trusting me to be part of your journey.
https://myoc.io/ApplyNowWithKelly

08/09/2026

Before you fall in love with the house, it’s important to fall in love with the numbers. 👀🏡
Knowing your buying power before you start seriously scrolling can save you time, frustration, and a whole lot of “but look at that kitchen!” heartbreak. 😂
First stop: ME- Loan Advisor.
Then Zillow.
https://myoc.io/ApplyNowWithKelly

Address

CA

Telephone

+19496789580

Website

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