We found Collin by accident while out looking for a new house and we are so lucky we did. Great communication through the whole process of buying our new home. We appreciate his hard work and attentiveness. Every step of the way was explained and there were no surprises. In this digital age it’s nice to be able to get personal service.  

Collin is an exceptional professional who ensured our home purchase was seamless. He guided us through every step of the process, consistently available to address our questions, whether day or night. Collin provided regular updates and demonstrated a deep understanding of various loan options and market trends, helping us secure the best possible rate. We highly recommend him to anyone seeking mortgage assistance. 

I have so much respect for Mr. Collin. Not even 1000 words can express how he handled my mortgage. From the first to the last day of recording my home, he was there with me the whole time. Communicates and let me know the status and where I am.

Please use him on any of your mortgage needs. I can guarantee that you will not be disappointed.

From the bottom of my heart and my family, thank you for giving us a chance to live in a place we call home.

The whole team of Mr. Collin did an outstanding job, and I am sure that American Pacific Mortgage is an excellent company.

Wonderful Experience!! Collin and his team were on Point. Escrow was easier than expected. My phone calls were always answered promptly!!!

Great job!!!!

Do yourself a favor and enlist Collin as your loan officer! He was invaluable to us, offering a wonderful blend of expertise, guidance, practical help, and reassurance. He didn't just respond to our questions but anticipated them and helped us to navigate smoothly and successfully through the entire process. And his help extended far beyond the process of getting a loan. Whether we needed advice and recommendations on home insurance, interest rates, timelines, and a dozen other issues, Collin was our go-to guy.

Collin is absolutely amazing. Phenomenal experience and amazing customer service. My wife and I just closed escrow on our home, and we couldn’t have been luckier to have done business with anyone other than Collin at American Pacific. The man is extremely honest and transparent. He will go the distance to make sure you are educated and informed on every single aspect of the lending process. And most importantly, he was able to beat every other brokers rate, and by a long shot too. Honest, professional, hardworking, and punctual. Thanks again Collin!

Collin and his team guided me through my first purchase of my home they made it feel so easy and at ease with the whole process .

So thankful for there help , just simply the best team around .

Thank you Collin and team..

William H

Colin and team is awesome! We were in a pinch to close quickly after an assumption fell apart and he was able to turn around on a new loan in less than 2 weeks. We received excellent communication of status and needs to close our part of the loan and sale with no issues from our side. I'd look to Colin again.

Collin was a pleasure to work with! Extremely helpful! Great guy! Would highly Recommend working with him.

Such an amazing Loan officer and company. I had no issued with my entire loan process and Collin and his team have been so knowledgeable and efficient I couldn't have asked for a better loan company to work with during my home buying process. Thank you Collin for everything! You've been awesome!

Was very helpful and polite. Went out of his way to contact my wife and I. We live in Japan, so buying a home in the states is very tough with the 18 hour time difference. But he made it work! Highly recommend Collin!

Collin was amazing! We're first time home owners and he helped us from start to finish. He answered all of questions and is very knowledgeable. He was professional and provided great customer service. We're stationed overseas and he was available to answer all of questions in a timely manner. We are completely satisfied and highly recommend his services!

worked quickly and efficiently

easy to reach when we had a question

made the processes of buying a home super smooth

Collin did a great job, he listed everything I need to get to him up front, and that kept the loan moving forward; any questions that arose he addressed them quickly.

I don’t think I could’ve made it happen without his help, knowledge and complete dedication. I can’t thank him enough!!

I recently purchased a new home and my mortgage company was American Pacific. My loan officer was Collin Clifford and I could not be happier. Collin guided me through the process, providing explanation in layman's terms I could understand. He was always available and expeditious every step of the way. He also assisted me with correcting some credit issues. Normally a very stressful process was made easy working with Collin. He has my highest recommendation!

Collin was an amazing loan officer! From the very beginning, he was very attentive to what our goals were. He always explained everything very well and in easy to understand terminology. Whatever questions I had, he always had answers. He ensured an easy and speedy pre-qualification. He was able to provide pre-qualification letters ASAP every time we put in an offer on a home. He would research the homes we were interested in and found the taxes for the property and any Mello Roos or special assessments. He would then run the numbers and give us a super accurate estimate of the monthly mortgage. This allowed us to know if the purchase would be within our budget. He guided us through a very volatile housing market. He is always monitoring the interest rates to ensure you will lock in on the right time. He called me in the middle of our escrow period and told me his prediction model indicated there would be a significant rise in interest rates the following day and encouraged me to lock in our rate that same day. Sure enough, the next day the rates surged and continued for the whole week. He ensured we locked in at the right time! He also explained the process of buying down our rate with the proceeds of our current sale. He ran comparisons with different rates and showed me the break even point where we would start to save money on a monthly basis on our mortgage. He was never pushy with anything and made sure that we were comfortable with all of our decisions. Collin made the home purchasing process a whole lot easier and gave us ease of mind having him in our corner. I recommend Collin 120%.

Collin was very knowledgeable and patient to explain everything in terms we understand and he did that every single step of the way! He was great and we already referred him to friends and family!

Collin is an expert on Veterans Administration (VA) home loans and very knowledgeable of the real estate market in the San Diego area. He worked very closely with us to figure out how much of a home we could afford, got us through the underwriting process early, and got us through closing without a hitch. More importantly, he is respectful, courteous, and very responsive and gave thoughtful answers to our questions and concerns. We cannot recommend him highly enough!

Collin is the best loan officer out there! He made buying our first home from thousands of miles away an easy process (even in a this crazy market). He was always available to answer our questions and is very knowledgeable. I would 100% recommend him to any of my friends. Thanks to his expertise, we are now proud homeowners

Collin guided us through every step of the process and we were ready to go when the builder wanted a fast close. Trust him 110% and went with him over the preferred lenders of the builder. Buying a home is scary and confusing and Collin help our hand through the entire process. I would refer him to family over anyone else. He acts professionally and with integrity, and works with you directly to make sure you are comfortable and in complete understanding of what is going on. He values the people, not just closing the loan...and that made all the difference in the world for us. He is not only a knowledgeable mortgage lender, he is also now our friend.

Simply a wonderful experience for a first time home buyer. Collin is clearly an experienced professional in this field and explained each step thoroughly as we went through the home buying process. He was always there whenever I needed to reach out for an answer and even took a step further than expected and took a three way phone was with my insurance company for my home insurance to help with anything I couldn't answer. Again, a wonderful experience.

I was introduced to Collin Clifford through my real estate agent and he was very happy to help. He helped me navigate the VA loan process by letting me know how much can be funded by VA especially since it was my second VA loan. He got me and my wife pre qualified and was patient with us through out the house hunting months. When we finally found a house we were able to close within two weeks, and with great rates. I'm sure the closing will have gone much faster if I wasn't overseas.

Very friendly, caring, and customer first personnel. Went out of their way to ensure we were comfortable in every phase of home buying experience. Answered all questions and took extra time to ensure all details were taken care of to make sure we had a great experience purchasing our first home, completely transparent when discussing all phases of home purchasing.

5/5 Stars

Collin is awesome! He was so patient with us throughout the whole process. We are so grateful for him!

Collin and his team was phenomenal. They made this process easy and painless. We are extremely happy with their services and recommend anyone who is looking for a home to contact Collin as your loan officer!

5/5 Stars

This was my first experience with home buying, and I needed a lot of help with becoming informed on the process. Collin was very helpful with everything, and I appreciate him educating me along the way as well. Highly recommend him for your next home purchase.

5/5 Stars

Collin was great to work with throughout the whole home buying process. I would recommend him to anyone looking to get a home loan.

As first time home buyers, it was all very daunting. Along every step of the way Collin was very thorough and willing to explain every document/decision in a very detailed manner. He was very professional and followed up continuously to make sure we stayed ahead of the process. This (and his wealth of knowledge) helped ease any hesitations we may have had and helped us come to a decision that fit our financial needs best. Thanks to his advice we were able to buy our first house with confidence.

We look forward to working with him again in the future!!

Collin was great! As first time home-buyers we were a little nervous about buying our first home, but he took the time to thoroughly explain the loan process and made us feel comfortable throughout. Highly recommend!

Collin Clifford was very helpful and professional when helping my brother and I buy a proper. He had all the information we needed and always had answers to questions we had. Would gladly do business with him again if the opportunity arises.

Colin was a pleasure to work with. He was working with the buyer on a listing that we were representing. The transaction went very smooth and Colin kept us informed every step of the way

Worked with Collin on my VA home loan. Kept me up to date on all documentation and helped me with any questions I had. Gave very helpful advice on what each stage of the process we were in and the costs associated with them. Answered my calls and emails promptly. Still contacts me to make sure I'm good with my loan and how we're doing. I would recommend him to other folks and I will use him in the future for refi, new purchase, or whatever loan needs I have going forward.

Had an excellent experience!

Excellent experience again!!! Collin kept us informed throughout the entire process and timely resolved any concerns that we brought forward. Great job Collin and thank you again

Collin with his team went above and beyond to assist my family to get our home within our budget with the best interest rate. You will be amazed !!!
Thank you for everything Collin !!!

Collin is an extremely professional loan officer. He just helped my husband and I through our very first home purchase. He answers all your questions and takes his time with you with every confusing thing you may find. He has your best interests at heart and will go out of his way to accommodate his clients. Thank you Collin for all the help!!

Collin is an extremely professional loan officer. He just helped my husband and I through our very first home purchase. He answers all your questions and takes his time with you with every confusing thing you may find. He has your best interests at heart and will go out of his way to accommodate his clients. Thank you Collin for all the help!!

Collin provided an excellent experience and was always available for questions. His knowledge and experience made the home buying process very easy on my part as the buyer. Highly recommend his services

Collin provided an excellent experience and was always available for questions. His knowledge and experience made the home buying process very easy on my part as the buyer. Highly recommend his services.

Collin, has by far, been the best Loan Officer I've ever worked with. He genuinely cares for his clients and is very meticulous with how he conducts business. He makes sure everything is perfect to make sure that there are no hiccups during the underwriting process, but also expeditious to make sure we closed at the quickest possible time. I highly recommend Collin and American Pacific Mortgage. They have a client for life!

Collin, has by far, been the best Loan Officer I've ever worked with. He genuinely cares for his clients and is very meticulous with how he conducts business. He makes sure everything is perfect to make sure that there are no hiccups during the underwriting process, but also expeditious to make sure we closed at the quickest possible time. I highly recommend Collin and American Pacific Mortgage. They have a client for life!

I am a repeat client of Collin, I am as impressed of his work, speed and mostly his honesty today, as I was of him the first time a few years back. I hear of horror stories from other people and their lending officer/company and I'm just blessed to have found Collin and APM as a trusted lending team. If you are in the market for an amazing lending team, look no further, Collin is your guy!

Collin was referred to my wife and I through a mutual friend and from the very first conversation I knew I could trust and work with him. Collin was there for us step-by-step as we bought our first house, always available to take time and explain each part of the process, no matter how big or small. He followed through on everything he said he would do in a (super) timely and professional manner, and always with a positive attitude. We also just used him and APM to refinance our home, and again, he was there with us and for us throughout the entire process. I couldn't be happier with the service Collin has provided us and would recommend him without hesitation to anyone in need of lending help.

Collin is amazing and has been transparent and so vital in getting us the home that we wanted. As issues arise we can reach out to him at anytime and that means so much when you are making the largest purchase in your life. He will hold your hand through the process and has made the process so easy. I recommend him to anyone looking to purchase/refi a home and he and his team is so well versed in VA loans and new builds. They truly see you as a person and not just a loan number. That means the world to us. We would recommend Collin to our closest friends and family. He tells you what you need to hear and breaks it down so you can understand. Cannot wait to close and invite our lender/new friend over to celebrate. 

PROFESSIONAL. KNOWLEDGABLE. ADEPT. - HIGHLY RECOMMEND Collin has supported me on my first home purchase and my refinance. The guy is simply just knowledgeable and has an answer for all my questions. He takes the time to make sure you fully understand what you are signing and why you are signing it. He's been the most transparent lender I've spoken with. With that said, you want a lender who's going to be honest, transparent and realistic with your home buying situation. I will continue to recommend my friends and family to Collin. 

Colin was a pleasure to work with. He was working with the buyer on a listing that we were representing. The transaction went very smooth and Colin kept us informed every step of the way.  

Colin was a pleasure to work with. He was working with the buyer on a listing that we were representing. The transaction went very smooth and Colin kept us informed every step of the way.  

Collin was referred to my wife and I through a mutual friend and from the very first conversation I knew I could trust and work with him. Collin was there for us step-by-step as we bought our first house, always available to take time and explain each part of the process, no matter how big or small. He followed through on everything he said he would do in a (super) timely and professional manner, and always with a positive attitude. We also just used him and APM to refinance our home, and again, he was there with us and for us throughout the entire process. I couldn't be happier with the service Collin has provided us and would recommend him without hesitation to anyone in need of lending help.

Collin was referred to my wife and I through a mutual friend and from the very first conversation I knew I could trust and work with him. Collin was there for us step-by-step as we bought our first house, always available to take time and explain each part of the process, no matter how big or small. He followed through on everything he said he would do in a (super) timely and professional manner, and always with a positive attitude. We also just used him and APM to refinance our home, and again, he was there with us and for us throughout the entire process. I couldn't be happier with the service Collin has provided us and would recommend him without hesitation to anyone in need of lending help.

5/5 Stars

Collin is patient, persistent, and personable.

Collin provided an easy experience in refinancing my mortgage. He not only got me a great deal and rate, but equally as important, the whole process was easy and smooth which is important because I have other things going on in life as well. Interacting with Collin was also great because he makes himself available, explained well and really helped me find what I was looking for.

Collin is a great loan officer who always answers the phone and responds to emails quickly. He worked with me to lock in a really low rate and made sure all of the paperwork ran smoothly.

Collin was great to work with! During our entire re-fi process he kept us up to date and was great at answering any questions we had. He truly cares about his clients and does whatever it takes to get the job done.

I would absolutely go through them again and recommend them.

I have to say thank you so much to Collin Clifford and American Pacific. Collin made me and my wife dreams come true getting our perfect dream house.
My name is Devin M. Davis and I am an US Marine Veteran and after I retired from the Marine Corps, I felt I was ready to use my VA home loan to purchase my first house. I was a first-time homebuyer with very little knowledge after talking to Collin a few times I felt more ready to move forward.
I am super lucky to get referred to Collin by a classmate of mine. When our credit union was not willing to do any work and even call me back Collin came through and worked every day to get the loan, I needed to get the perfect house I been looking for the whole year of 2020.
Not only was Collin super professional he was super knowledgeable and kept me in the loop each step of the way. Collin gave me updates every other day to keep me in the loop, which is huge for me.
If you want someone to fight for you and go the extra mile Collin is the one you need to call asap. I already told many of my friends and family because how amazing and easy the process of funding our house was. I got everything I wanted I would highly recommend Collin to anyone that is searching for a mortgage.
Thank you so much Collin Clifford and American Pacific!

This is our second time working with Collin. He is amazing!! He goes above and beyond to help you navigate your way through the process. He has great insight and knowledge of the industry. We can't say enough about him, and we think he is a genuinely great person! Walter and Daisy Pedro

I recommend Collin Clifford to help you buy a new home. From the moment we met him and his team, we knew we made the right choice. He was professional. Easy to work with. He explained everything in detail. We had bumps in the road and he helped in every way he could to make sure we get our new house. He even drove to our house and went through boxes of files to help us look for documents we needed so we didn't get overwhelmed. I thought that was over and beyond what his job description is. He was available at all times of the day to answer our calls or text. He's just amazing.

We closed on our new home oct 1st 2020!!! We are so excited and grateful to have worked with such a great team. Thank you Collin from the Gonzalez family.

Simply the best at what they do 💯

Collin worked hard for us to secure refinancing our home. We would recommend him to anyone interested in refinancing their home. Thanks Collin!

5/5 Stars

Collin was extremely helpful, knowledgable and always gave me 100% of his time. There were plenty of occasions as my husband and I progressed through the home-buying process where we needed a straight answer and he always did. I HIGHLY recommend Collin Clifford due to his forthright approach and always keeping us informed day to day.

Collin Clifford helped us to close on time
Recommend to anyone American pacific Mortgage Corporation did an outstanding
Service during these difficult times
Thanks again A++++
Oscar and Denise Rios

Collin was great Lender that helped my family and I close on our Home. He knows the in’s and out’s of the VA home loan! Will be using Collin in the future.

Collin was great Lender that helped my family and I close on our Home. He knows the in’s and out’s of the VA home loan! Will be using Collin in the future.

Will always go back to receive his services! Collin is overall outstanding, very knowledgeable, friendly and always keeps his clients as priorities! From the beginning of our home loan collin was and has always been very informative, and always gave us realistic expectations. I will always recommend collin, we just did a refinance with him and dont regret anything 

I highly recommend Collin Clifford for home financing. He is extremely knowledgeable, and also does an excellent job of explaining all of the different financing options are available. His rates are also extremely competitive, which is very important. If you are looking for an excellent mortgage professional, look no further than Collin Clifford. Two thumbs up!!! 

Collin Clifford went above and beyond to help us with our IRRRL. We’ll definitely keep him in mind when it’s time to upgrade and will not hesitate to recommend to other people especially friends and families!!! Thank you, Collin⭐️

I had the privilege and opportunity to work with Collin Clifford and Jason Julao these past few months. I began my home search with no real timeline. After getting approved by a certain company, my information got sent out to a bunch of realtors and Jason reached out to me and arranged to meet in other to talk about the entire home buying process and also recommended Collin who he confidently spoke highly of as a seasoned loan officer and can more than likely beat any approval quote by highly reputable lenders. So I decided to give them a try. That was by far one of the best decision I made in 2020. They were so incredibly personable, professional, and a real pleasure to work with. As a first-time home owner, they made me feel like a priority client and kept me informed about the entire process and what to expect as we progressed through the process of buying my first home. Even though i knew they were busy with work, they always made time either over the phone or in person for a last minute or late night showing & had a way of making me feel like I was the only client. Every business and service they recommended was equally as impressive with their service and attention to detail. At the same time, they did a fantastic job advising me on additional "Big picture" things I should consider about each property, from the location to layout. Jason struck a great balance between assessing the property as a sound investment for me and considering what I wanted for a HOME. And Collin did a Home run by making sure I got the best rate possible and funding in an unbelievable timely manner in other to seal the deal. I truly felt like I had a partner and a great team throughout this experience, and cannot find the right words to recommend this two gentle men as by far the Best at what they do. I will Definitely recommend them as the best Real estate deal “Tag team” as I like to call them. Collin with American pacific mortgage and Jason with Big block reality for all your home buying needs.

I’ve worked with Collin multiple times and it’s always a great experience. He’s honest and will work hard on your behalf. I highly recommend him and his team!

5/5 Stars

Collin was very attentive and answered all of ours questions as soon as they were asked. Didn't matter if he was off the clock or not. Would recommend to anyone.

Collin was extremely helpful during our loan process buying our first home. We are grateful to have worked with him.

Where do I begin with this guy? Collin is well for lack of a better word, "Amazing" as a professional as well as a person. His customer service is above reproach. He will keep you informed every step of the way during the whole process. If I had to pick someone to help me and I could customize who that person would be it would be Collin hands down my only choice. 

Purchasing a home is stressful, and at times very confusing. Collin was very informative, helpful, and accessible. He made the whole experience go a lot smoother. Will definitely recommend him and his team to everyone I know.  

Will always go back to receive his services! Collin is overall outstanding, very knowledgeable, friendly and always keeps his clients as priorities! From the beginning of our home loan collin was and has always been very informative, and always gave us realistic expectations. I will always recommend collin, we just did a refinance with him and dont regret anything. HE ALSO MADE SURE TO GET US SOME MONEY BACK WHICH IS ALWAYS A PLUS!

Collin has been extremely helpful throughout the purchase of our home. We are first time buyers and have NO CLUE what we are doing, but Collin has made himself available around the clock to clarify any questions we have (no matter how repetitive). He has been very transparent with the steps and costs of everything. Awesome customer service. Would definitely recommend him to anyone buying a home. 

Collin is very professional and he gets back to you right away and really focuses on helping you out 

Collin really made our refinance process move without a hitch. He communicated throughout the process, which was much appreciated. We would definitely recommend Collin to anyone considering refinancing their home! 

Excellent communication. Very responsive and explained everything. 

I gave a review 2 years ago for a refi I did with Collin. Once again, I couldn't have chosen a better agent. The interest rate for THIS refi was lower than expected, and he kept me well informed through the whole process. Any questions I had were addressed immediately, no matter the day or time.
You won't do better than Collin.

Collin is absolutely fantastic. When I first bought my property, I was so impressed with him.  This time around he helped me to refinance my mortgage. He reached out and guided me during every step of the process including patiently answering any questions I had. He is also very knowledgeable and was able to iron out any wrinkles that came up in the process.  Collin will never let you down - he goes the extra mile, no matter what.

Collin is a miracle man he is very diligent and will not give up until he has exhausted every avenue. He is upfront and honest from the beginning and is beyond patient I don't have enough great words to say how well of a job collin does and how he treats his clients. 

Collin made the home buying process easy and painless. He was always on top of everything and the communication was great, he explained every step of the process and answered all of our questions. We highly recommend working with him! 

Collin is the man! I have been working with Collin for about 2 years now and I can refer my active duty and military veterans to him with confidence. I know he will get the job done every-time. Hands down one the best in the business, If you want to buy a home, but the loan process scares you, look no further Collin will take care of you and it fun and easy.

It was a wonderful experience working with Collin.  Every step of the way, he was professional, and courteous.  Collin did his research and got me a great rate.  Best of all, throughout the stress of getting a mortgage, Collin was able to lift my spirits with his empathy, and wonderful sense of humor.   I highly recommend Collin.  With him, you are getting the best! 

The mortgage I got with Collin through American Pacific Mortgage was one of the best decisions I've made this year. I have been searching for homes and was losing to offers to all cash buyers. Collin set me up with a pre-approved mortgage product that was the next best thing to a cash offer and finally got into escrow.

Thanks Collin!!

Purchasing is a stressful endeavor, and having a supportive team helps. Collin was thorough, accessible and encouraging. We worked with him on weekends, at times very early in the morning, which we appreciate. With Collin, we navigated through the complex course of mortgage lending with ease, for this we are thankful. 

Collin was absolutely terrific. He made the whole process easy to understand and finished the closing quicker than both of us had hoped.
The interest rate was as low as it could be, lower than expected.
I recommend him highly.

Our refinance process was so easy when we worked with Collin. He kept us in the loop with every little step of the way so that we knew where we were at at all times. Any time we had questions we had immediate answers. I highly recommend working with Collin at American Pacific Mortgage for your refinance or purchase. He was so friendly and made a typically  stressful process very easy.

I would HIGHLY recommend Collin Clifford with American Pacific Mortgage. Working with him was a pleasure, and he explained  the process anytime I didn't quite understand. We had previously worked with another company, and it was extremely stressful. So I entered the process with reservations, but those quickly disappeared after dealing with Collin. He was always polite, prompt, professional, and patient. I am so thankful we were able to work with him.