American Pacific Mortgage Bernardo Plaza Ct, San Diego

Phil's team is very good at what they do. They can close a loan on time regardless of what the obstacles are. It was a pleasure working with him and his team. The communication was clear and timely. His team has expertise in all areas of the mortgage process and the service was top notch. The rate and fees were very competitive.

It was an absolute pleasure working with Phil & his team for our first home! He was very responsive, gave great advice, and worked quickly to fund our loan within three weeks. We were able to lock in a great interest rate & the process went very smooth from start to finish. We highly recommend Phil and his team. We look forward to working with them again on future loans!

Phil Joseph and his team covered all the bases when we recently purchased a house. The loan process was fast but thorough. We appreciated Claudette, who became our personal guide as different requests for documentation came in. She was always available via text, email or a phone call. Phil knows what he is doing and did a wonderfully streamlined job of helping us all the way! We would recommend speaking with Phil Joseph if your are buying a home. Thank you!

Phil Joseph and his team are knowledeable, efficient, and responsive, offering support throughout the loan process. Phil has managed several home loans and refinances for us throughout the years, and we've never been disappointed with his ability to find us the very best loans and deliver top-quality service along the way. We cannot recommend him and his team highly enough!

Phil and his team are miracle workers. Got us a rate that even the scammers weren't willing to offer as a bait. My wife and I have worked with them for our original loan and two refinances and they somehow outdo themselves each time. Recommend Phil and his team in the strongest terms!

Phil and his team were amazing! We hadn’t even been looking to buy a home when we saw a “Coming Soon” sign posted in front of the home of our dreams one Friday. To make an offer before it went on the MLS Tuesday and multiple bids came in would take a miracle. Phil and his team at American Pacific Mortgage were that miracle. We called Phil late that Friday and by mid-day Monday, he had all our financing ducks in a row. We couldn’t have purchased the home without his attention to detail, attention to deadline and attention to customer service. Claudette, Phil’s assistant was also top notch. She was great to work with and we trusted her implicitly - she didn’t let a single detail fall through the cracks which is crucial when buying a home. We can’t recommend them enough.

Claudette and Phil will make sure you go thru a smooth process. Phil proved once more that he is the best!

Smooth transaction through and through, and I 100% believe our capability to buy a home was Phil and his crew working hand in hand with our real estate agent to ensure a timely and well handled buying experience. Everyone was nice and did not mind our out of left field questions. LOL Just a wonderful experience.

APM is on the top of their game and refinancing. I've refinanced with them a couple times and they are always fast, efficient and great on the communication. A real pleasure to work with Phil and his group in San Diego.

Great experience. Phil and his team are very professional and well organized. The home purchase went smoothly and their communication is top notch. Would highly recommend to anyone buying or refinancing their home!