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Meet our Preferred Lender, Phil Joseph

Not all residential lenders are created equally. The Eric Matz Real Estate team recommends all buyers get pre-qualified and all sellers cross-qualify with Phil Joseph. His proactive approach and meticulous follow up has repeatedly saved our clients money and time.

Phil Joseph is a graduate of San Diego State University with a BS degree in Finance. Phil is the Branch Manager and Senior Loan Officer for American Pacific Mortgage – Rancho Bernardo Branch. With more than 25 years in lending and a dedicated team, he is able to offer all mortgage products, including conventional, VA, FHA and Jumbo’s, with the highest level of service and integrity. In his spare time, he enjoys golfing, hiking and traveling.


Phil Joseph, NMLS# 249549

11770 Bernardo Plaza Court #451, San Diego, CA 92128

Email: [email protected]

Phone: (619) 507-3558

Start a Home Loan Application and Lock in a Great Rate!

Clients love working with Phil Joseph


Contact us anytime for support at (619) 507-3558. Even if you are already working with another lender, give us a call and we will happily answer your home financing questions. No pressure. Just great service.

As a company, we embrace the concept of ownership with enthusiasm and optimism for the future of housing in America. As individuals, every employee at American Pacific Mortgage takes personal ownership in the process of originating home loans that will make your dream of ownership a reality.

Ownership is more than the possession of a thing or a place. At American Pacific Mortgage, ownership is a state of mind.


Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act (DBO) # 4170053.
We are an Equal Housing Lender.