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

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, Salinas and Vallecito, serving the Sierra Foothills. 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.


Victoria Murphy - Branch Manager

Victoria joined All California in August of 2017, bringing with her nearly 20 years of experience in the residential mortgage industry.  From the servicing side, to large-scale lending institutions, to big and boutique brokerage firms, Victoria brings her unique perspective and an unmatched breadth of knowledge to the role of Branch Manager of All California Mortgage.  In this position, Victoria oversees all aspects of the day to day mechanics of running the company. Her operational expertise is evident in every interaction with Loan Officers, staff, lenders and clients. We look forward to a long and prosperous relationship with Victoria at the helm.

  ©  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