Jen Jones · Branch Manager · 20+ Years
A Mortgage Done Right, By Someone Who's Done It For Two Decades
Whether you're buying your first home in Layton, refinancing, or tapping equity, Jen and her team make the loan process clear, fast, and stress-free. Local expertise. Real answers. No runaround.
No obligation · Takes about 2 minutes · Your information stays confidential
Jen Jones
Branch Manager · American Pacific Mortgage
NMLS# 247020 · Layton, UT
About Jen
Two decades of helping Utah families make confident decisions
I've spent more than 20 years in the mortgage business, and the reason I'm still here is simple — I love watching people unlock the door to a home they didn't think was within reach. As Branch Manager at American Pacific Mortgage in Layton, I lead a team that treats every file like it belongs to family.
Mortgages can feel overwhelming, especially the first time. My job is to take the guesswork out of it — explain your options in plain language, find the loan structure that actually fits your life, and stay ahead of every deadline so you close on time without surprises.
From first-time buyers and move-up families to self-employed borrowers with complex income and folks rebuilding their credit, I've seen nearly every scenario. There's almost always a path. Let's find yours.
Loan Programs
The right loan for where you are right now
Purchase, refinance, or equity — we'll match you to the program that fits your goals and budget.
First-Time Buyer
Low down payment options, down payment assistance programs, and step-by-step guidance built for the first time around.
Refinance
Lower your rate, shorten your term, or restructure your payment. We'll run the numbers and tell you straight if it makes sense.
Home Equity & Cash-Out
Put your home's equity to work — for renovations, debt consolidation, or a major life expense, on terms that fit.
FHA & VA Loans
Government-backed programs with flexible credit guidelines and strong benefits for veterans and qualifying buyers.
Self-Employed & Complex Income
Business owners and 1099 earners deserve a real review. We know how to document income that doesn't fit a simple W-2.
Investor & DSCR
Financing for rental and investment properties — including options that qualify on the property's cash flow, not just yours.
No credit impact to check. Most people finish in under 2 minutes.
The Process
Four simple steps from hello to keys
No mystery. No jargon. Here's exactly how it works with Jen's team.
Quick Conversation
We talk through your goals, timeline, and budget — no pressure, just a real plan tailored to you.
Get Pre-Qualified
We review your numbers and give you a clear picture of what you can afford so you shop with confidence.
Lock & Process
We secure your rate and handle the heavy lifting — keeping every deadline on track and you in the loop.
Close On Time
You sign, you get the keys, and we celebrate. We pride ourselves on smooth, on-schedule closings.
Step 1 takes just a couple of minutes. No obligation to move forward.
What Clients Say
Real families. Real closings. Real relief.
"As first-time buyers we had a hundred questions, and Jen answered every single one without ever making us feel rushed. We closed on our home in Clearfield two days early."
Megan & Tyler R.
First-time buyers, Clearfield
"I'm self-employed and two other lenders turned me away. Jen actually took the time to understand my business income and got me approved. I can't recommend her enough."
David M.
Self-employed buyer, Layton
"We refinanced with Jen and lowered our payment significantly. She was honest about whether it made sense for us — that kind of straight talk earned our trust for life."
Sarah & James K.
Refinance clients, Kaysville
For Real Estate Partners
A lending partner who protects your closings — and your reputation
When you refer a client to Jen, you're handing them to someone who communicates clearly, closes on time, and treats your relationship like it's worth keeping — because it is. Your clients stay informed, your deadlines stay protected, and you stay looking good.
- Proactive updates at every milestone — your clients are never left guessing
- On-time closings backed by 20+ years of operational experience
- Creative solutions for self-employed, credit-recovery, and complex files
- A local, in-market team that knows Layton and Davis County inside out
Let's talk about how we can grow your business together.
The APM Difference
Built by originators, for originators
American Pacific Mortgage gives our branch the platform, products, and stability to take care of you — without a corporate consumer-direct channel competing for your business.
No Competing Channel
APM doesn't run a consumer-direct arm poaching leads from its own branches. Your clients stay your clients.
Fast, Modern Tech
A streamlined origination platform that keeps files moving and borrowers informed at every step.
Deep Product Shelf
Conventional, FHA, VA, jumbo, non-QM, DSCR, and more — so there's a real answer for nearly every borrower.
Stable & Established
A nationally respected, well-capitalized lender with the longevity to back up every commitment.
Why I Chose APM
A note from Jen, to the producers reading this
After 20+ years in this business, I've seen what happens when a lender prioritizes the corporation over the originator. I made the move to American Pacific Mortgage because it was built differently — by people who actually originate loans, for people who originate loans.
There's no consumer-direct channel quietly competing with me for my own borrowers. The product shelf is deep enough to say yes when others say no. And the support I needed to run a branch — instead of just surviving one — was actually there.
If you're a loan officer or branch manager who feels capped, undervalued, or stuck on a platform that doesn't fight for you, I'd love to talk. Not a recruiting pitch — a real, confidential conversation between two people who do the same hard work.
Jen Jones
Branch Manager · NMLS# 247020
For Loan Officers & Branch Managers
Ready for a platform that's actually on your side?
Whether you're exploring options or seriously considering a move, let's have a private conversation. No pressure, no obligation — just an honest look at what your business could be with the right support behind you.
100% confidential. Your inquiry stays between us.
Common Questions
Answers before you ask
How much does it cost to get started or get pre-qualified?
Getting pre-qualified and talking through your options costs you nothing and carries no obligation. We'll review your situation and give you a clear picture before you ever commit to anything.
Will checking my options affect my credit score?
An initial conversation and prequalification estimate don't require a hard credit pull. When you're ready to move forward formally, we'll walk you through exactly what happens and when, so there are no surprises.
I'm self-employed. Can you still help me?
Absolutely — it's one of our specialties. Self-employed and 1099 income takes more care to document, and we know how to do it. APM's product shelf includes options designed specifically for business owners and complex income.
My credit isn't perfect. Should I still reach out?
Yes. Your credit doesn't define your future. We work with buyers who are rebuilding, and even when today isn't the day, we'll build you a clear, realistic plan to get there. There's usually more possible than people expect.
How long does the whole process usually take?
Most purchase loans close within 30 days, and many close faster. The initial conversation takes just a couple of minutes. From there we keep every deadline on track and you informed the whole way through.
You're closer to your goal than you think
Take a couple of minutes to find out where you stand. No pressure, no obligation — just real answers from someone who's been doing this for 20+ years.
No obligation · No credit impact to check · Confidential
