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American Pacific Mortgage NMLS 1850

The Kelso Group

Not Your Grandfather's Mortgage Lender!

We offer the assistance you need to help in all of your mortgage endeavors. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable process.

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What Our Customers Say About Us


We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Thank You John Frels! Your expertise and knowlege of the industry helped make my home loan process simple and painless. I would highly recommend to John to anyone and everyone!

Logan C.

I usually don't review things, but I had such a great experience, I felt I needed to tell everyone I could.
I just bought my second home and was a little nervous about working on my mortgage because I had a horrible experience with another company my first time!
My new Broker John Frels explained everything throughout the process and made me feel like I was totally involved. My Realtor said that it was the smoothest closing he had ever seen and that John will be his favorite recommendation from now on.
So here I am...
I thought I'd just return the favor and say nice things about John and his company.
If you want a GREAT mortgage experience...CALL JOHN!

Daniel V.

I just used Mortgage Associates for the third time. Each time, I provided them with the information they requested, sat back, and waited till I received the call that it was time to close on my loan. No pain involved. Mortgage Associates handled a refinance loan on our Houston home, a construction loan on our weekend home, and a refinance on our weekend home. We were able to go from a 30 loan to a 15 year loan with a lower interest rate. If I am ever in the market for a mortgage broker again, you can be sure I will use Mortgage Associates of Texas.

Michael B.

When everyone else said it couldn't be done - John Frels and his team pulled through for me. From the ease of the application process to underwriting to a gift when I moved into my new home, everything was easy and hassle free. I would recommend this knowledgable broker and staff to anyone and will certianly use them again when I its time for another home loan! Thanks Mortgage Associates!!!

Brad B.

Customer Testimonials

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