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.


© 2019 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


Hello and Welcome.

You would be hard pressed to find a more dynamic team of mortgage professionals! Bonita Clifton and Reina Brabant have combined 31 years of mortgage experience, underwriting, packaging and closing quality loans.

Bonita started her career in 1992 as a loan processor at a Marin County mortgage brokerage. She has held a variety of positions throughout the years such as processor, loan servicer, doc drawer, assistant to a top producing loan originator, and for the last 17 years has been a high producing loan officer. She prides herself in her ability to find solutions to challenging scenarios, and on her vast knowledge of agency, non-agency, and government guidelines.

Reina started as a loan processor in 2012. During her time as a processor she developed an in-depth understanding of the loan process, loan packaging, and underwriting guidelines which serves as a critical component to her success as a loan officer. She prides herself on her impeccable communication and organizational skills. Her attention to detail, ability to anticipate customer needs, and great people skills assure you a smooth and seamless closing.

We work on every loan together, as a team, adding value to the services provided. We both stay apprised of each loan and scenario, so you can be certain that there is always someone available to answer your questions or attend to your needs.

We both have a great respect for the fact that this will be one of the largest financial transactions or decisions of your life. We are committed to doing the right thing by our clients.

Specializing in:

  • Reverse and VA lending  from FHA and VA

  • Jumbo and conforming, Fixed & ARM products

  • Niche Investors and Brokered loans

  • Self Employed Borrowers and Portfolio Products

  • Private Money loans and Investments

I feel extremely lucky to have found Bonita Clifton. She guided me through a long and tedious process to reach a goal that I felt many times was impossible. Her valuable expertise lent itself to navigate this seemingly endless process a while she worked with my accountant to gather all of the needed information. She made herself easily available and answered all my questions. Above all I felt she was always looking out for my best interests.
— Mark, Palo Alto
Bonita and Reina met and surpassed all my expectations. A strong communicator, a creative problem solver and wonderful mother/daughter team. They went way beyond the call of duty to close my loan on time. I highly recommend them.
— Sissi, San Rafael, CA
I was kept informed through every step.
— Frank, Carlsbad, CA

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Contact Bonita:

Direct: 415-464-8311
Cell:      415-517-7344
Fax:       415-464-2346

Contact Reina:

Direct: 415-464-8253
Cell:      415-517-5036
Fax:       415-464-2367

Find us online:

Bonita Clifton is the best mortgage broker. She is very professional, hard working, thoughtful and easy to work with. She guided me through refinancing my house and to buy a new house. She is amazing. Thank you very much Bonita. I highly recommend Bonita Clifton to anyone who needs a home loan.
— Cizhen
Without Bonita Clifton’s expertise, I am sure I would never have gotten my loan. Through this arduous process, she was indefatigable. She would not take “No” for an answer and guided me through many twisted turns when I was ready to give up. She always had my best interests in mind. She was very available and easy to contact. I cannot thank her enough.
— Mark, San Francscio, CA
We just had our two new loans funded yesterday. Bonita and Reina went to work and after “no’s from a couple of banks they were able to get two financial institutions and Unison to take the application and send it to underwriting and management review. All three had exceptions that had to be overcome. Somehow they got all the exceptions approved and we got our loans. Being 75 years old, accomplishing this is just short of a miracle for us .We have several good friends who will be looking for mortgage help soon (all much more straight forward than ours) and we will make sure they contact Bonita before anyone else. Bonita and Reina clearly understood what a big deal this was to us and throughout the whole process were extremely supportive, kind and determined. They are obviously exceptionally personable, knowledgeable, professional, hard-working and results oriented. We are really glad they were working for us.
— A Happy Customer - Tiburon, CA
Financial matters can be challenging & stressful without the help of knowledgeable professionals. This is what you will find when using All California Mortgage. Everyone was knowledgeable, kind & very helpful when I was recently navigating a reverse mortgage for my mother. They provided consistent & excellent care throughout the entire process. I can’t say enough good about Bonita, Shayne & Reina when it came to their expertise. They made this difficult process so much easier than I ever could have imagined. Certainly, the place to call for any of your mortgage needs.
— Victoria L., Novato, CA
Working with Bonita and Reina on my home loan was effortless. They kept me informed every step of the way, and made it so easy for me to refinance my home at a lower rate and without cost to me at closing. I highly recommend them for anyone looking to have a fast and easy loan process!
— Ginny, San Rafael, CA

  ©  2019  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 California Residential Mortgage Act     Disclaimer  |  Privacy Policy