All California Mortgage


Since 1992, All California Mortgage has provided quality service in every area of mortgage lending. From purchase to refinance to construction and commercial lending, we have access to a full range of mortgage sources. Our lending specialists are dedicated to finding you the right loan-with great rates, terms and costs to meet your unique needs. 



© 2017 All California Mortgage, a division of American Pacific Mortgage Corporation  NMLS #1850 / BRE #01215943
17 E. Sir Francis Drake Blvd., Suite 200, Larkspur, CA 94939     (800) 371-4545 
Licensed by the Department of Business Oversight under the CRMA     Disclaimer  |  Privacy Policy 

Senior Leadership

NMLS # 46203 BRE# 602886    

NMLS # 46203
BRE# 602886



Bruce Fonarow, General Manager                                                               

General Manager of All California Mortgage, Bruce graduated from Boston University with a B.A. in Economics.  He moved to Marin County from St. Louis in 1977 to take a job in the mortgage lending industry. In 1992, he launched two companies, All California Mortgage, Inc. and ACM Investor Services, Inc. in Larkspur, California, both of which now have a 20+ year heritage of sound business decisions, professional teams and a commitment to quality.

All California joined forces with a nationally recognized mortgage banking firm, American Pacific Mortgage Corporation in 2012 to further expand All California Mortgage’s product offerings, which now include banked, brokered, private and reverse mortgages - all with a goal to provide the widest selection of financing options for both agents and clients.

Under Bruce’s leadership, All California Mortgage has built a strong brand as a reliable and truly exceptional mortgage lending group, serving the needs of real estate professionals, builders, investors and home-buyers from their main branch in Larkspur and additional branches in Burlingame, Petaluma, Oakland and Salinas. They also have licensed agents located in San Diego and San Francisco. 

Bruce’s mission is to continually surround himself with knowledgeable, experienced professionals providing services with the highest degree of integrity: Quality Service ~ Quality People.

NMLS # 295309 BRE # 00932465

NMLS # 295309
BRE # 00932465

Lisa Fonarow - Sales Manager

Native to the San Francisco Bay Area, Lisa has over 30 years of experience and leadership in the mortgage industry. She has been a guest speaker on radio, at industry conferences and numerous business groups.

A Magna Cum-Laude graduate of St. Mary’s College in Moraga, CA, Lisa earned her degree in business and economics and was immediately drawn to the mortgage lending field by a desire to help people realize their financial and personal goals.  As a top producer and manager, Lisa has been instrumental in helping to establish and grow All California Mortgage with her husband, Bruce Fonarow. She also helped facilitate the association with American Pacific Mortgage Corp. in 2012, accomplishing the goal of expanding All California Mortgage’s product line to include banked, brokered and private lending resources.

Additionally, Lisa helped grow All California’s Reverse Mortgage department to accommodate the increasing request for this type of financing. The association with American Pacific Mortgage furthered this effort, providing even more competitive reverse mortgage programs within American Pacific's well established Reverse Mortgage Division.  Her objective was to secure a wide array of lending options to fulfill the varied needs of the clients that All California Mortgage serves.

Lisa also directs the continual process of researching the most favorable loan products in the ever-changing mortgage industry. Her mission is to ensure that All California Mortgage maintains the most highly competitive and informed Loan Agents in the field.

NMLS #288580

NMLS #288580

Karen Rhodes - Branch Manager

Karen is a Bay Area native who began her mortgage lending career in 1987. She joined All California Mortgage in 1994 and opened up a partnership branch in Marin County. She became Chief Operating Officer in 1996. She currently directs the day to day operations for All California Mortgage’s branches including Larkspur, Burlingame, Petaluma, Oakland, and Salinas.  

A consummate professional, Karen is committed to providing All California loan officers and staff with every tool they need to succeed. 

  ©  2017  All California Mortgage
a division of American Pacific Mortgage Corporation - NMLS #1850 / BRE #01215943
E. Sir Francis Drake Blvd., Suite 200, Larkspur, CA 94939     (800) 371-4545
Licensed by the Department of Business Oversight under the California Residential Mortgage Act     Disclaimer  |  Privacy Policy