William Aubrey


Bill Aubrey is President and co-founder of Pacific Mortgage Capital, a non-agency, Non-QM mortgage bank. Bill is responsible for all day-to-day operations of the bank, strategic planning and direction as well as managing the P&L and balance sheet.

Prior to joining PMC, Bill served as SVP and Chief Investment Officer of Capital Alliance Advisors, a manager of numerous mortgage-backed REITs. Bill additionally served as President of Capital Alliance Investments, a commercial, short-term bridge lender.

Bill has over 25 years of experience in the mortgage industry and has a bachelor’s degree in finance from LaRoche University.

Tammy Blanchard

Executive Vice President

Tammy Blanchard is Co-Founder and Executive Vice President of Pacific Mortgage Capital. Tammy oversees business development, sales, and Marketing. Tammy aids in retaining and expanding the company’s client base, plans, and executes strategies to increase sales, including company growth and culture. Because of her years as a top producing loan originator, she is a valuable resource for mortgage brokers, offering an array of mortgage solutions.

​Tammy currently serves as the President of the San Francisco Peninsula Chapter of CAMP, she is also a member of NAMB.


Joseph Biondo

Director of Operations

Joseph Biondo has been active in the mortgage industry for more than 30 years. His specialty is in mortgage operations, and he has detailed experience in underwriting. He has hands-on knowledge in all phases of loan origination, managing and training staffs of loan underwriters and processors. He also has served as a funding manager, overseeing the doc draw and funding functions and staff. His experience led him to operations management positions at the district level. He also has built out complete mortgage operations from the ground up and ran his own brokerage for several years. Joe has held a Real Estate Broker license over 30 years. Loan product familiarity ranges from Conforming to Jumbo to Non-QM, with successful underwriting in each area. Joe currently serves as Director of Operations, overseeing the origination functions to produce quality, saleable mortgages.

Kyle Aubrey

Broker Coordinator

Kyle Aubrey graduated from California State University Chico with a bachelor’s degree in Business Marketing. He has been in the mortgage business since 2020 and is eager to learn more about the industry. He currently oversees the e-mail marketing campaigns and other company websites such as Yelp, LinkedIn, YouTube, and Facebook. He is also Pacific Mortgage Capital’s Broker coordinator, essentially connecting third party originators with our Loan officers, while also assisting in PMC’s secondary market trades and operations. Kyle prides himself on his leadership skills and ability to maintain both professional and social relationships.

The team at Pacific Mortgage Capital is comprised of industry veterans who have worked across the entire spectrum of lending from conventional to non-QM to private money. This breadth of experience enables the firm to offer guidance and solutions to borrowers across diverse situations.

Loan Programs

Explore our Loan Programs

Credit Solutions

Our Enhanced 500+ Loan Program offer responsible solutions for credit-impaired borrowers.

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Prime Jumbo

Our Jumbo Loan Program provides loan solutions that offer higher-balance loan amounts for qualified borrowers with full or alternative documentation.

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Investor Solutions

Investor Flex Loan Program can be underwritten to property income

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Bridge Loans

Solutions for borrowers requiring short-term financing or renovating a fixer-upper.

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