Kristal Clift - American Pacific Reverse Mortgage

Job Title: Training and Development Coordinator

Phone: 916-246-0614

NMLS 1946231

Kristal is dedicated to helping clients prepare for their future. She guides her clients through the entire mortgage process, from loan origination through closing with a high level of service and care. Her career has spanned more than 12 years. When she started working in the Reverse Mortgages department she knew this is exactly what she was looking for. Commitment to honesty, integrity, and passion to help others make her ideally suited for the Reverse mortgage profession.

She is a native Californian, born and raised in the Sacramento valley. She has two children and six grandchildren. In her free time, you will find her enjoying the American River kayaking or hiking or spending time with family.

She is licensed in CA, OR, WA and AZ.

APRMG is licensed in the following states: AZ, CA, FL, ID, OR, TX, WA. We are a California based company with lending capabilities in many states. NMLS 150590/16095/1850 – Consumer Access Website | Privacy Policy | Accessibility Statement | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. CADRE 01215943 • AZ BK: 0906702 • Oregon Consumer Finance Act • Washington DFI • Not available in New York. For licensing information, please visit American Pacific Mortgage Corporation. Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.

© 2024 American Pacific Mortgage Corporation (NMLS 1850). All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Some products may not be available in all states and restrictions apply. Reverse mortgages are loans offered to homeowners who are 62 or older who have equity in their homes. The loan programs allow borrowers to defer payment on the loans until they pass away, sell the home, or move out. Homeowners, however, remain responsible for the payment of taxes, insurance, maintenance, and other items. Nonpayment of these items can lead to a default under the loan terms and ultimate loss of the home. FHA insured reverse mortgages have an up front and ongoing cost; ask your loan officer for details. These materials are not from, nor approved by HUD, FHA, or any governing agency.