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COME GROW WITH USTHIS IS
Making a move is a huge decision that All California Mortgage does not take lightly. We foster a culture of support, inclusiveness, and empowerment for all of our employees, and are 100% focused on doing whatever it takes to make our loan officers look good in the eyes of the consumer. Backed by an industry-leading culture, we provided the tools, products and resources needed to instill confidence and craft the best possible loan experiences and solutions to your customer. Additionally, we will always be a place where loan officers, and all staff, feel welcome, where they feel they belong, and where they are able to grow and thrive. WHY CHOOSE ALL CALIFORNIA MORTGAGE?
over Most importantly, our collaborative team approach to business provides our Loan Officers with unfettered access to our experienced and dedicated team of mortgage experts, each of whom are eager to help you get the job done. WHO WE AREEstablished in 1992, All California Mortgage, a division of American Pacific Mortgage Corporation (APM), is focused on offering you the kinds of programs and services that let you spend your time originating loans. Both All Cal and APM were built by Originators for Originators, with a Senior Leadership team averaging 30 + years in mortgage lending. ACCOUNTING HUMAN RESOURCES/PAYROLL LICENSING HUD APPROVALS COMPLIANCE MANAGEMENT BENEFITS MANAGEMENT
WHERE WE ARE138DESK RENTALLOCATIONS49LICENSED INSTATES31STATESBRANCHES IN3,579TOTAL EMPLOYEES
OUR VISION, MISSION & VALUES
NATIONALLY RECOGNIZEDBILLIONinPRODUCTION $22We recognize that adaptability and tenacity are central to remaining successful in today’s industry and believe it is our duty to serve our employees and our communities through delivering experiences that matter.2012-20182014-2019 2013-2019 2015-20192019With $22 billion in production in 2020, we are a purchase-focused retail mortgage lender with a strong record of achievements, including being rated as one of the best and most rewarding places to work year after year. We are an ideal company for entrepreneurial mortgage producers, as we have built much of our retail platform on dba branches and independent regional bankers.
THE ALL CALIFORNIA/APM ADVANTAGEOur product development team is always looking to add new products to our portfolio. Please let us know if there are additional products you would like to see!• Direct Seller to Fannie, Freddie and Ginnie Mae, Full Eagle FHA, VA Cal Vet and USDA• Specialty Products supported in-house including all FTHB programs and many DAP's• Delegated and preferred MI approval process for lightning quick certs• Jumbo - extensive investor list, delegated to $3MM, fast turn times, TBD approvals and advance locks available• Promotional Purchase Products inducing the "Keys on Time“, “Purchase Guarantee” and “Secure Lock" offering a rate roll down feature. All offeredwithout a property being identified (TBD's) providing a strong, competitive advantage for you, your borrowers and your Realtors• Proprietary "Stars'' program (for teachers, first responders & correctional officers)• “Income Solutions" for hard to place loans and "Investor Advantage" for Real Estate investors• Fractional TIC's / Private Money Loans/ Reverse Mortgages• Out of State loans• Builder Division / Specialty Wholesale Division / Robust CRM platform / Turn-key internet lead program / Full-featured Client & Realtor Mobile App• Large banker /broker qualifyi1ng1 us to receive exclusive lending products and volume pricing• Local Ownership/ Superior Office Space in Prime Locations• Excellent reputation with both Correspondent and Wholesale channels• In-house Reverse Mortgage Division providing certified training, marketing materials, etc. (bothbanked and brokered resources)• Competitive commissions paid twice monthly / Benefits and 401k plans/ Expense reimbursements/BRIE and DBO !licenses accommodated• In-house loan scenario "help desk" for both banked and brokered products, with a separate scenario desk just for Jumbo loans• Appraisers on staff to assist with rebuttals, comp research and any other appraisal issues• Proprietary niche-lender matrix, with searchable contents saving hours on researching "outside-of-the-box'' loan scenarios• Dedicated support staff local to each branch with in-house underwriting, funding, clos1ing & servicing/ Documents drawn on-site
Personal Website - personalized page with links toon-line applications, social media and secureupload folders Mobile App - state of the art technology for easeof access Total Expert CRM – all your contacts stored in onelocation, with options for automated marketingof direct mail, postcards, open house materialsand more Custom Print & Promotional Gifts - in housedesigned special order customer gifts orpromotional items . In-House Personal Marketing Support –dedicatedmarketing pro on-staff Technical Support- a quick message will helpdiagnose any technical issue In House Personal Coach/ Ongoing training -provided at no cost to you.INNOVATIVE BUSINESS DEVELOPMENTAll California Morgage loan officers have access to a dedicated business development department focused on marketing technologies and lead generation support to help you stand apart from the competition, build our business and increase your market share.Marketing and Content Management SystemsWe offer a broad selection of cempetitve, customized marketing tools and technology - all easily accessible 24 hours a day, seven days a week.
Bruce's mission is to continually surround himself with knowledgeable, experienced professionals providing services with the highest degree of integrity. Bruce Fonarow, General Manager General Manager of All California Mortgage, Bruce graduated from Boston University with a B.A. in Economics. He moved to Marin County from St. Louis in 1977 to take a job in the mortgage lending industry. In 1992, he launched two companies, All California Mortgage, Inc. and ACM Investor Services, Inc. in Larkspur, California, both of which now have a 25+ year heritage of sound business decisions, professional teams and a commitment to quality.All California joined forces with a nationally recognized, American Pacific Mortgage Corporation in 2012 to further expand All California Mortgage's product offerings, which now include banked, brokered, private and reverse mortgages – achieving the goal to provide the widest selection of lending options for both agents and clients. Under Bruce's leadership, All California Mortgage has buiit a strong brand as a reliable and truly exceptional mortgage lender group, serving the needs of real estate professionals, builders, investors and home buyers throughout the state and beyond. "Quality People ~ Quality Service"SENIOR LEADERSHIP
Lisa Fonarow, Sales Manager Native to the San Francisco Bay Area, Lisa has over 30 years of experience and leadership in the mortgage industry. She has been a guest speaker on radio, at industry conferences and numerous business groups. A Magna Cum-laude graduate of St. Mary's College in Moraga, CA, Lisa earned her degree in business and economics and was immediately drawn to the mortgage lending field by a desire to help people realize their financial and personal goals. As a top producer and manager, lisa has been instrumental in helping to establish and grow All California Mortgage, with her husband, Bruce Fonarow. She also helped facilitate the association with American Pacific Mortgage Corp (APM). in 2012, accomplishing the goal of expanding All California Mortgage's product line to include banked, brokered and private lending resources. Additionally, Lisa helped grow All California's Reverse Mortgage department to accommodate the increas-ing request for this type of financing. The association with APM furthered this effort, providing even more competitive reverse mortgage programs within American Pacific’s well-established Reverse Mortgage Division. Her objective was to secure a wide, array of lending options ta fulfill the varied needs of the clients that we serve.Lisa also directs the continual process of researching the most favorable loan products in the ever chang-ing mortgage industry. Her mission is to ensure that All California Mortgage maintains the most highly competitive and informed loan officers in the field. Victoria Murphy, Branch Manager Victoria joined All California in 2017, bringing with her more than 20 years of experience in the residential mortgage industry. From the servicing side, to large-scale lending institutions, to big and boutique brokerage firms, Victoria brings her unique perspective and an unmatched breadth of knowledge to the role of Branch Manager at All California Mortgage. In this position, Victoria overseas all aspects of the day to day mechanics of running the company. Her operational ,expertise is evident in every interaction with Loan Officers, staff, lenders and clients. We look forward to a long and prosperous relationship with Victoria at the helm. SENIOR LEADERSHIP
THANK YOUTHIS ISAll California Mortgage1105 Fifth Avenue, Suite 220San Rafael, CA 94903415.925.5225Copyright 2021All California Mortgage, a division of American Pacific Mortgage