Kolby Gibson- APM- Encinitas / American Pacific Mortgage, Inc.

My wife and I HIGHLY RECOMMEND Kolby and his team for mortgages. I rate them a 11/10 (Spinal Tap reference). We went into the relationship with Kolby with high expectations and they repeatedly exceeded those expectations. Kolby and his team are highly knowledgeable, very professional, and handle dynamic situations very well. We had a unique, complex mortgage situation that involved an estate, a trust, property tax implications, and additional challenges. Kolby and his team put together a customized plan to help us achieve our objectives. Kolby worked with my attorney to ensure that we navigated complex legal and tax issues to get the mortgage done. Kolby got us a very good interest rate. He and his team walked us through the process, step by step, and when we encountered unanticipated chal

Kolby and his team were fantastic to work with. They worked very hard and quickly to secure us a quick closing on our first home purchase and was able to answer all of our questions whenever we needed. I definitely would recommend them to anyone and everyone and would be happy to work with them again in the future.

I would give them ten stars if I could. I contacted Kolby for a loan and he and Laura made it so easy! They went above and beyond, keeping me informed every step of the way. I would 100% use them in the future.

Kolby Gibson, was true to his word. He gathered all the information and worked with me to complete my refinance in a professional manner . He kept me aware of what information was required and when. Made sure all documents were received in a timely manner no matter the time . Whenever I posted to the secure sight . By, the next day he would acknowledge my transaction immediately. I liked working with Kolby he was direct and focused. Caring individual this was amazing experience. Would recommend him to coworkers and friends which I have done.

Kolby was an amazing help during the borrowing process. This was our first home purchase and we had no idea where to start. We were lucky enough to have Kolby with us the entire way and he explained from beginning to end. One of the best parts about Kolby is that when things got stressful (they always do...), Kolby was able to calm us down by talking 'simple' numbers with us. I would highly recommend Kolby for anyone looking to secure a mortgage or refinance an existing loan.