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.

William Aubrey


Prior to co-founding Pacific Mortgage Capital William Aubrey served as Chief Investment Officer for Capital Alliance Advisors, a non-QM lender from 2001 – 2020. In this role, Mr. Aubrey was responsible for overseeing and managing all loan assets in the firm’s residential and commercial loan portfolios; product development; secondary marketing and capital markets as well as developing and maintaining warehouse and long-term credit facilities. Additionally, Mr. Aubrey served as President of Capital Alliance Investments, Inc., structuring loans for sale to the secondary market. Over the years, he has underwritten and sold over $1.0 billion in loans.

Mr. Aubrey also serves as a member of both the endowment and finance committees for St. John’s church in Marin County, California. Mr. Aubrey holds a B.S. Finance, La Roche College, Pittsburgh, PA.

Tammy Blanchard

Executive Vice President

Ms. Blanchard has served as Vice President of Business Development for Capital Alliance LLC since 2016. Ms. Blanchard aids in retaining and expanding the company’s client base, plans, and executes strategies to increase sales, including company growth. Ms. Blanchard is a valuable resource for mortgage brokers, offering an array of mortgage solutions. During the past three years, Tammy has originated and closed about $75,000,000 in Non-QM mortgages.

Ms. Blanchard brings over 15 years of experience in the mortgage industry. Ms. Blanchard was a top producer for Santa Cruz Home Finance from 2009 to 2013. She was responsible for all facets of mortgage transactions, including quoting mortgage programs, terms, and closing and obtaining completed loan application packages that met all standards of legal and ethical industry compliance. From 2005 to 2009, Ms. Blanchard was a top producer for Tri-Star Home Loan Services. She consistently originated and closed 20-25 million per year during the years that she was a retail originator.

Tammy currently serves as the President of the San Francisco Peninsula Chapter of CAMP, Rear Commodore, and member of the Executive Board of Directors for the Sausalito Yacht Club. She is also a member of NAMB.
Tammy served as Advertising/Sponsorship Chair and President of the Dominican Hospital Foundation Guild, Santa Cruz, The Scotts Valley High School Falcons Booster Club as Advertising Chair and Communications Chair for the Sausalito Yacht club.

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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