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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.

Michael has consistently been regarded as a top producer, ranking within the Top 1% of Mortgage Originators in the nation by both Scotsman Guide and Mortgage Executive Magazine year over year. His hobbies include health and fitness, Brazilian Jiu-Jitsu, surfing, serving within the communities that he serves and spending quality time with his family and their dogs.


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 

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. James has been in the industry as a backbone to several companies for nearly twenty years, helping those in his community and working with guidelines throughout 48 states.

In James' free time, he enjoys time at the gym, sports, kayaking, sailing and traveling as well as time with his wife, who is another industry leader and their three dogs.

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

Ben Hayes NMLS 1765389. Licensed in CA. 
Senior Loan Officer 
T.949.243.5473 | F. 888.512.0090

Ben has built a career as a leader and top producer over the past 5 years in the mortgage industry.  He demonstrates passion with an unwavering work ethic and commitment to transparency.   

Ben understands what it takes to deliver the best financing options to his clients for their home lending needs.  Working on both the wholesale and direct lending side has provided Ben with  key experience to educate his clients and provide excellent service in all types of loan scenarios.  Getting a mortgage can be complicated but Ben aims to make it a seamless process.  Ben  currently resides in San Diego, CA and enjoys outdoor activities including spending time at the beach, hiking, and playing basketball.  

Community efforts include: Volunteer at East San Diego's "Heaven's Windows" a community resource network that aids struggling families, seniors, & homeless individuals with free groceries as well as  children with meals.


Ivy Haugh NMLS 2336264. Licensed in CA. 
Junior Loan Officer
T. 707.293.0874 | F. 888.512.0090



Ivy has joined our team in 2022 with a background rooted in insurance after spending time in the medical/pharmaceutical field. Her background surrounds caring for clients and customers and ensuring their needs and questions are answered promptly. Her ability to learn and engage has allowed her to excel in several fields professionally.

In her spare time, Ivy enjoys investing time in her family, her husband and amazing daughters. Ivy has been known to serve her community through her church, Foster Youth and Foster the Bay as well as actively work at the food pantry at her church, the Redwood Gospel Mission and helping lead the American Heritage Girl Troop.


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. 

In Joe's free time he enjoys spending time with his daughter and family as well as their dog. He also enjoys refining his grilling skills perfecting his culinary skills in the kitchen.

Community efforts include: 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. Molly has been a key part of the team for several years with a focus in providing support for our back office and underwriting teams.


In her free time, Molly enjoys spending quality time with her friends and family as well as traveling the world as well as venturing the various beaches throughout Orange County.


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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