Karen Card, The Card Team at APM - Dana Point, California

Sy Moody

Karen Card and her team at American Pacific Mortgage definitely live up to their great reviews! As a Realtor and appraiser, I’ve worked with many loan officers over the last few decades. Karen has always been one of my favorite mortgage experts and is the one we chose when purchasing our own home. Her team delivered what they promised, and she was great with keeping in contact throughout the process. She always responded very quickly and answered questions well. She also knows a lot about many different loan products. We just let her know what we were trying to accomplish, and she explained several scenarios that would get us there. Done deal. Happy homeowners! I highly recommend Karen Card and her team to anybody looking to buy or refi! Thanks Karen!

Rebecca Lopez

This is the seventh home I have purchased and this was the best experience with a lender I have ever had. Karen and her team went the extra mike for me at every step. I wanted to use a specific program for veterans and karen researched everything about the program and help me get the funding. I would highly recommend using Karen and her team for all your financial needs!!!

Sean Drumm

The Card team is fantastic. I worked with Katie and I can not say enough about how great she was. Attention detailed, had fantastic communication and really made the process of getting a loan easy.

Matt Conkle

From start to finish, Karen and her team provided us with outstanding support and service. From video messages to timely responses, Karen made sure that we were kept up to date and that the necessary paperwork was shepherded efficiently so that our 15-day escrow went through without a hitch. We appreciate having Karen and the team on our side through this major life event. I give Karen and team my highest recommendation to anyone who is considering a home loan.

Margaret Gidula

The Card Team relieved so much stress for us! As first time home buyers, we had so much to learn. Katie made several very helpful videos walking us through the process and breaking down the numbers. Karen and Katie worked to save us the most money and were quick and responsive. They worked with us to get us the best rate for our mortgage loan and timed the close of escrow to maximize savings. You can tell they truly care about helping the buyer understand the lending process. 10/10 highly recommend!!

Joy Kadano

The card team did an excellent job in helping us to process our home loan for our first house. Karen, Katie and Stephanie is great with their job. They are very accomodating and patient with first time home buyers like us. They took time to explain everything. I will definitely recommend them to my family and friends.

Sam Singer

Katie is fantastic! She spends time coaching you and creating a long term plan for you so that you can get better rates. No lender does this. They just tell you the rates. The coaching the card team provides is invaluable.

Stephen Scruggs

The Card team is simply AMAZING!!! Karen and Katie were exactly what we needed to ease our nerves of the home buying process. Between Katie's interactive video loan scenarios and Karen's knowledge of the VA Loan process I don't think we had one question go unanswered. Trust me when I say I asked a lot of questions! 🙂

I don't think I've ever worked with such a responsive team. Within a matter of minutes, even sometimes seconds, I received a response to my questions. My wife and I were nervous to overextend ourselves and go through the headache of buying a home. Karen and Katie invested their time to make us feel comfortable and supported us every step of the way. Between our realtor and us we constantly were joking about how smooth the process has been and were always waiting for the catch. I'm happy to say the "catch" never came. Karen and Katie handled our home purchase flawlessly.

For any other Veterans looking to take advantage of their VA benefits, just know there is hope with the Card team. Knowing you have an advocate on your side throughout the process is truly priceless. Most lenders say they can handle VA loans but very few actually know the process.

If I haven't made it abundantly clear, THEY KNOCKED IT OUT OF THE PARK!!!

Thank you Karen and Katie!!