Gayle McCarthy and Team

Gayle McCarthy and Team We are here to help you navigate home loans with clarity and confidence. Focused on real solutions, not just approvals. Let’s find the right loan for YOU!

Whether you’re buying, refinancing, or exploring options—We make the process simple and stress-free. Meet the mother and daughter team at American Pacific Mortgage. Branch Manager Gayle McCarthy NMLS 225960 and Office Manager Jenna Iverson, NMLS 1469659. The McCarthy Team is family – and we help families obtain the American dream of home-ownership. Gayle started in the mortgage industry in 1983 wh

ile working for Sierra National Bank. From there, she went to work for Central Pacific Mortgage as a loan processor, then manager for a total of 21 years. She is branch manager of American Pacific Mortgage for the last 16 years. She operates a second branch in Arizona, and has expanded licensing to include Texas to further serve customer needs. Her level of experience in the industry is hard to match. After graduating, Jenna worked as a Realtor in Tehachapi for four years before coming to work at American Pacific Mortgage eight years ago. That experience in Real Estate sales has given her a valuable perspective. She has complete understanding of a transaction from start to finish. She has worked in every aspect of lending from processing, to assisting loan officers, to origination of loan files. Service, service, service! Excellent customer service is the goal behind each and every transaction American Pacific Mortgage does. Obtaining a mortgage can be a daunting experience. A consumer’s mortgage is usually the largest financial decision a client will have to make. With a multitude of loan products available, it is of utmost importance to have professional guidance throughout the process. With the current challenges in the Real Estate markets today, it is more important than ever. The combined experience and strengths of The McCarthy Team insures that their clients are well taken care of. The mortgage industry is ever changing. American Pacific Mortgage is dedicated to staying on top of the latest products and technology. Technology is a great asset and convenience to our customers, but never a replacement for the “human touch” - “One loan does not fit all”. Our top priorities include making sure that our customers receive the best loan options for their individual needs, and that the loan process is as convenient as possible. It is just as important that our clients are fully educated and understand the loan they receive. Our success is measured by each satisfied customer, and the referrals that we receive from them. When outside of the office, both are involved in horses, team roping, and ranching. Jenna resides on her family ranch in Caliente that was established in 1868. Gayle splits her time between the Tehachapi office and the Arizona office. BRE 01063368 / 012159943 | NMLS 301003
Licensed by the Dept of Financial Protection and Innovation under the CRMLA

Some of the best memories happen in the passenger seat... or around the grill.What reminds you most of Dad:Road trips or...
06/18/2026

Some of the best memories happen in the passenger seat... or around the grill.

What reminds you most of Dad:
Road trips or BBQs?
https://myoc.io/



NMLS # 225960

Throwback to 1985!! What is missing from this ad?? :)
06/18/2026

Throwback to 1985!! What is missing from this ad?? :)

American Pacific Mortgage is here to help you determine what savings options are best for you! Contact the lender that y...
06/17/2026

American Pacific Mortgage is here to help you determine what savings options are best for you!

Contact the lender that you know and trust!

06/16/2026

Rates aren’t one-size-fits-all. The better question is what rate fits your budget, credit profile, and long-term goals. Sometimes structure matters more than the headline number. Want to see what works for you? DM me and I can walk you through options.
https://myoc.io/



NMLS # 225960

Monday motivation! Have a great week!!
06/15/2026

Monday motivation! Have a great week!!

Never a good idea!!! Contact Gayle first!!!!
06/13/2026

Never a good idea!!! Contact Gayle first!!!!

Refinancing is not luck, it is planning. Smart homeowners do not just wait for rates to drop, they know what number make...
06/11/2026

Refinancing is not luck, it is planning. Smart homeowners do not just wait for rates to drop, they know what number makes sense and when to act. That is a strategy. If you want help building yours, send me a message and let’s talk options.
https://myoc.io/



NMLS # 225960

Multi-state licensed!!! Just added Nevada to the list. We are here to help you, your family and friends!!!!!CA, AZ, WA...
06/10/2026

Multi-state licensed!!! Just added Nevada to the list. We are here to help you, your family and friends!!!!!

CA, AZ, WA, OR, MT, CO, AR, OK, GA, MO, SD, NV, TX

Who can we help today?

06/09/2026

Waiting for the market can cost more than entering it. Waiting may feel safe, but it can come with real financial tradeoffs over time. The right move is not timing perfectly, it is making a plan that fits your situation. If you want to explore options, message me.
https://myoc.io/



NMLS # 225960

"It was a pleasure working with American Pacific Morgage (Gayle) quick and great rates plus Gayle went up beyond to make...
06/05/2026

"It was a pleasure working with American Pacific Morgage (Gayle) quick and great rates plus Gayle went up beyond to make the entire process seamlessly smooth. As a Veteran I would totally recommend their services." says Ally on Google

★★★★★ It was a pleasure working with American Pacific Morgage (Gayle) quick and great rates plus Gayle went up beyond to make the entire process seamlessly smooth. As a Veteran I would totally recommend their services.

Address

Tehachapi, CA

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+16618225523

Website

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