Michael A Belfor NMLS 264700. CA DRE 01878769 
Mortgage Banker | Branch Manager
T.415.814.2937 | F. 888.512.0090

Licensed in CA.

Michael’s experience spans nearly two decades and throughout Southern California, Northern California and Hawaii. He has time and time again been seen as an innovator, leader and a top producer. He aligned himself in 2010 with American Pacific Mortgage and since has grown his team year over year.


Work: Grinding for nearly 20 years, helping people in his community.


For Fun: Training, Brazilian Jiu-Jitsu, Surfing, Playing Music, Tacos.


Downtime: Time with family and his dog, Nala the Mini Beast and his Frenchie Belle.


Achievements: Top Producer, Presidents Club, Top 1% of Mortgage Originators Nationwide.


Community: Working with the homeless throughout Northern California, Counselor, Sunday School Teacher, Helped build housing and a church in Kenya, Africa.


Secret: He has a Disneyland Annual Pass.

James Carmody NMLS 1243044. Licensed in CA.

Senior Loan Officer - Underwriting King

T. 415.497.0798

F. 888.512.0090

James has been in the industry nearly as long as Michael except for he spent much of his time behind the scenes, back of house essentially working with underwriting and processing teams. His underwriting knowledge includes helping lead some of the top mortgage companies in California and continues to do so for APM. His background and understanding of conventional, government, jumbo and specialty products is superior to most as he is truly at times the brain behind the operation. 

Work: Grinding for nearly 20 years, helping people in his community, including loan agents in 48 states


For Fun: Training, Sports, Kayak and Sailing and Travel

Downtime: Time with his awesome wife, another industry leader and their three dogs.


Community: Working with the homeless throughout Northern California through numerous shelters

Secret: He has known Michael for 30 plus years.

Erika Collard NMLS 1459720. Licensed in CA.
Licensed Loan Officer Assistant
T.415.231.0999 | F. 888.512.0090


Erika Collard is a Licensed Loan Officer Assistant and has been in the Mortgage Industry since 2004. Her knowledge and expertise make her a key to the success of our team. Erika is bilingual and speaks Spanish fluently. She has been with APM for five years, working out of our Irvine branch until we took note of her work ethic and skill two years ago. Then we stole her and brought her to the team. Her care and skill has been commended and received acclaim by our partners and clients alike. 


Work: Grinding for nearly 15 years, currently focusing on growth of our team and listening to bad jokes within the office. 


For Fun:  Dabbling in interior design, exploring new local restaurants and spending time at Huntington Beach Dog Beach


Downtime: Spending quality time with her 21 year old daughter Bailey and her Goldendoodle, Penny (IG: @prettypennythegoldendoodle)

Molly Brown
Loan Officer Assistant
T. 707.364.8851 | F. 855.550.8834


Molly Brown comes with a lifetime of experience as her father is a well-respected and top producing professional in the mortgage industry. She has been in our industry for five years and has helped the team double our production while providing a tremendous amount of care to our clients and partners alike. Her forward thinking, scrappy attitude is a pillar in our foundation as it allows us to constantly grow and provide the very best in service for our clientele.

Work: Grinding for 5 years with a focus in providing support for our back office and underwriting teams.


For Fun: Traveling the world as well as venturing the various beaches throughout Orange County.


Downtime: Spending time with her friends and family and her two dogs. 

American Pacific Mortgage was formed with one goal in mind; to provide first class customer service and exceed expectations daily. We believed that pricing loans exceptionally well, providing ethical service, and educating our customers while delivering speed in the transaction was a reality we could bring to our customers.

As a Direct Lender we make decisions that eliminate the common headaches and time wasters often associated with Mortgage Brokers and Big Banks.

We are looking forward to doing business with you and hope to ensure a smooth, steady, and sincere close to your loan.


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Belfor Team/American Pacific Mortgage - 845 Olive Avenue Suite 208 - Novato - CA 94945. NMLS 398359.

                © 2020 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Licensed by the Dept. of Business Oversight under the CRMLA. CA DRE #01215943. NMLS 1850. Equal Housing Opportunity.