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Customized Mortgage Solutions with the Expertise and Care You Deserve

Get the guidance you need!

Apply Now

(916) 718-2333

Customized Mortgage Solutions with the Expertise and Care You Deserve

Get the guidance you need!

Apply Now

(916) 718-2333

Services

Home Purchases & Refinances

We don't just show you products and numbers, we educate, guide and coach you through the entire home loan process. We love giving first time buyers mortgage advice. Your mortgage broker for life!

Loan Products & Programs

Home Purchases & Refinances

Fixed & ARMs

Conventional Loans

FHA and USDA Loans

VA Loans

Home Equity Loans

Non-Traditional Loans

Personal Loans

About

Home Purchases & Refinances

About

With over 20 years experience, I am dedicated to serving the needs of my clients. I am a native of the Sacramento area, currently living in El Dorado Hills and working in Fair Oaks. It's all about community!

+ We Love NURSES! +

You're busy - we get it!

Our interactive app allows you to apply, upload documents, check your numbers, and communicate with us on your own time!

Frontline Fee Reduction

You're busy - we get it!

You work hard for your paycheck and you deserve a reduction in loan fees. It's our way of saying THANK YOU for all that you do!

You have OPTIONS!

You're busy - we get it!

You have OPTIONS!

Let us take the guesswork out of your loan options by customizing a report to ensure you're choosing the right loan for you!

Testimonials

Wonderful! 5-stars

You Won't Find Better Service! 5-stars

I am a first time home buyer and Melissa was great! She was patient with me and explained the process step by step. She answered all of my millions of questions and, at least I don't think, got on her nerves! I would recommend her to other buyers looking for a lender. Thank you, Melissa!

darkangel522 from Citrus Heights, CA

You Won't Find Better Service! 5-stars

When the market turned south in 2011, Melissa was patient and so helpful in us buying a short sale north of Sacramento. She stepped in when my personal bank decided they didn't want to write mortgages due to the market scare. Since we were highly qualified and ready to buy, Melissa stepped in and put the deal together with the seller's bank. She was absolutely the reason why we are living in our house 9 years later. And, recently, when I was bombarded by VA loan interest reduction plans (IRRRL) via the mail, I instead reached out to her and Melissa again was able to provide my family with an incredibly low rate and the professional service you come to expect from someone that is handling the most expensive thing you'll put your hard-earned money into: Your Home. If you're looking for mediocre service, then go with someone other than Melissa and her team. But, if you want someone that gives you personal experience and is there for EVERY question you may have, then go with Melissa Carson. You won't be disappointed, I promise you that.

user9970913 from Olivehurst, CA

Outstanding! 5-stars

You Won't Find Better Service! 5-stars

Top Notch Service! Thank you Melissa! 5-stars

The best hands down. Seasoned home owners or first time buyers - you want Melissa on your team!! She made the whole process so much less intimidating, truly a joy to work with her.

Cecilia from Citrus Heights, CA

Top Notch Service! Thank you Melissa! 5-stars

I worked with Melissa professionally for several years and recently had the opportunity to work with her again on my home purchase. She is professional, responsive, and was happy to answer any questions my fiancé and I had. She was able to aptly advise us on rates and the best interest rate buydown for our situation, savings us hundreds per month. We plan to use Melissa for all of our lending needs and absolutely recommend her!

Christy Grellas from Orangevale, CA

Responsive and quick! 5-stars

Top Notch Service! Thank you Melissa! 5-stars

Melissa Carson my only Loan Officer 5-stars

This was our second time working with Melissa to finance our house. She was bale to get us a great rate. She responded to our emails quickly and clearly. We will definitely work with her again.

user6273302 from Sacramento, CA

Melissa Carson my only Loan Officer 5-stars

Top Notch Service! Thank you Melissa! 5-stars

Melissa Carson my only Loan Officer 5-stars

Melissa Carson and I have now worked together three times. Each time she has been straight to the point, with loads of knowledge into what we were needing to do. She helped us 8 years ago buy our first house, 2 years ago refinance, and this year sell our starter home and move into our new home where we will be starting our family. I am very grateful to her and her team for being so efficient on quick with everything that was needed. Thanks again!

Kayla Quesada from Bakersfield, CA

Melissa is the best! 5-stars

Refi and Loan Excellence and service 5-stars

We have used Melissa for home loans when we've bought and for refi's. She is so great. Always available for questions and we trust her 100%! We wouldn't go to anyone else.

Gina from Roseville, CA

Refi and Loan Excellence and service 5-stars

Working with Melissa and her great team of professionals is always a pleasure. She gets things done smoothly and effectively. She was able to work through the piles of paperwork and inspections, even on the VA loan and Refi. Thank you, Melissa.

zuser201505232225552 from Roseville, CA

Fantastic! 5-stars

Refi and Loan Excellence and service 5-stars

Simply the Best!!! 5-stars

Melissa was great to work with! I've bought homes in the past and this was by far the best experience I've had with getting a loan. Melissa was very professional and made the loan process very easy.

Shawn Ertz from Folsom, CA

Simply the Best!!! 5-stars

Melissa is Fantastic! 5-stars

Simply the Best!!! 5-stars

Melissa Carson is professional, honest, and hardworking. She communicates effectively and keeps me in the loop every time we have a transaction together. She has been my Mortgage Advisor for more than 10 years and has helped me successfully strategize my long term real estate goals. I recommend Melissa to anyone looking to purchase or refinance!

Jannay Hughes from Fair Oaks, CA

Melissa is Great! 5-stars

Melissa is Fantastic! 5-stars

I have worked with Melissa for years now. She is very knowledgeable and good at what she does! I will continue to work with her for all of my mortgage needs.

zuser201803061522426 from Roseville, CA

Melissa is Fantastic! 5-stars

She is communicative, explains the process well and quick to respond to our questions. She has made the process of purchasing our first home far less intimidating. It is clear that she cared about our experience. She shared in our excitement on closing day and we would recommend her to anyone! We are very grateful.

Amanda Cook from Newcastle, CA

Customized Mortgage Solutions with the Expertise and Care You Deserve

Customized Mortgage Solutions with the Expertise and Care You Deserve

Services

Home Purchases & Refinances

Home Purchases & Refinances

Home Purchases & Refinances

Loan Products & Programs

Home Purchases & Refinances

Home Purchases & Refinances

About

Home Purchases & Refinances

About

+ We Love NURSES! +

You're busy - we get it!

You're busy - we get it!

You're busy - we get it!

Frontline Fee Reduction

You're busy - we get it!

You're busy - we get it!

You have OPTIONS!

You're busy - we get it!

You have OPTIONS!

Testimonials

Wonderful! 5-stars

You Won't Find Better Service! 5-stars

You Won't Find Better Service! 5-stars

You Won't Find Better Service! 5-stars

You Won't Find Better Service! 5-stars

You Won't Find Better Service! 5-stars

Outstanding! 5-stars

You Won't Find Better Service! 5-stars

Top Notch Service! Thank you Melissa! 5-stars

Top Notch Service! Thank you Melissa! 5-stars

Top Notch Service! Thank you Melissa! 5-stars

Top Notch Service! Thank you Melissa! 5-stars

Responsive and quick! 5-stars

Top Notch Service! Thank you Melissa! 5-stars

Melissa Carson my only Loan Officer 5-stars

Melissa Carson my only Loan Officer 5-stars

Top Notch Service! Thank you Melissa! 5-stars

Melissa Carson my only Loan Officer 5-stars

Melissa is the best! 5-stars

Refi and Loan Excellence and service 5-stars

Refi and Loan Excellence and service 5-stars

Refi and Loan Excellence and service 5-stars

Refi and Loan Excellence and service 5-stars

Refi and Loan Excellence and service 5-stars

Fantastic! 5-stars

Refi and Loan Excellence and service 5-stars

Simply the Best!!! 5-stars

Simply the Best!!! 5-stars

Melissa is Fantastic! 5-stars

Simply the Best!!! 5-stars

Melissa is Great! 5-stars

Melissa is Fantastic! 5-stars

Melissa is Fantastic! 5-stars

Melissa is Fantastic! 5-stars

Melissa is Fantastic! 5-stars

Melissa is Fantastic! 5-stars

Contact Us

American Pacific Mortgage

Melissa Carson - NMLS#278308

Hours

Drop us a line!

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