Michael A Belfor NMLS 264700. CA DRE 01878769 
Mortgage Banker | Branch Manager
SF.415.231.0900 | OC. 949.468.0012

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. Michael's education includes B.S. and a M.A. from Liberty University in Lynchburg, VA.


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


For Fun/Downtime: Training, Brazilian Jiu-Jitsu, Surfing, Playing Music, Tacos. Time with family and his dogs.


Achievements: Top Producer, Presidents Club, Top 1% of Mortgage Originators Nationwide (2018, 2019, 2020).

Other Notable Positions Held: 2013-2016 Vice President of the Marin Association of Realtor's Government Affairs Committee. 2011-2014 NAHREP Member. Founding Member/Chair of Petaluma's YPN.


Community efforts include: Working with the homeless throughout Northern California, Counselor, Sunday School Teacher as well as mission work in Kenya, Africa.

James Carmody NMLS 1243044. Licensed in CA.

Senior Loan Officer - Underwriting King

T.415.899.8555 | 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/Downtime: Training, Sports, Kayak and Sailing and Travel. Time with his awesome wife, another industry leader and their three dogs.


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

Joe Nusca 
Loan Officer Assistant
T.415.830.5005 | F. 888.512.0090


Joe is new to our team as we were lucky to add him to the team in July 2020. Joe's education includes a B.S. in Criminology from Lasell University in Newton, Mass. He managed loss prevention for Southern California region prior to joining our team. After discovering a love for the real estate industry while working through business development for nearly a year on the side, he decided to join our team full time. Since we've had the opportunity to have him join us, we've heard nothing but fantastic acclaim from our real estate partners and clients alike due to his ability to be client focused and create a fantastic atmosphere for our clients. 

Work: Grinding since 2020 with a focus in providing support for our amazing clients and partners alike.

For Fun/Downtime: Spending time with his daughter and family as well as his dog, working on his grill master and perfecting his culinary skills in the kitchen.

Community: Former Canvassing Coordinator for The Committee of Friends and Relatives of Prisoners (CFROP) which works to assist low income communities and help with the rehabilitation of former prisoners and/or their families.


Molly Brown
Loan Officer Assistant
T. 949.359.2771 | 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/Downtime: Traveling the world as well as venturing the various beaches throughout Orange County. 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.