About Us


Angelica D. Gardner, MBA

   Angelica started her finance career working in banking in San Diego, CA. During college, she worked for a Real Estate Investment company out of Marin County, CA. Here she learned the business from the ground up. Starting with measuring and ordering commercial carpets, changing locks, measuring office suites to negotiating leases, securing financing, purchasing and selling of commercial properties.

    After moving to Sacramento, CA she worked for a nationwide hard money commercial lending company. The company syndicated the investment funds of accredited, private investors and used these funds to make permanent first mortgage loans on standing commercial properties and non-owner occupied single family residences. Angelica started as an entry level financial analyst and worked her way up to Property Manager, Special Assets Manager, Assistant Vice President, Vice President and finally the Executive Vice President.  

   In this role, she managed and provided day to day coordination of the mortgage company's operational activities. She was responsible for the overall loan quality of all new loans, underwriting commercial and residential loans, provided training, coaching and supervision for all mortgage operation functions, including origination and overall compliance. She processed complex loan approvals and documentation, modifications, extensions and unique loan requests.

    After 13 years with this company, she decided to venture out and start a private money company of her own. She wanted to create a company that provided the best quality loan product for investors, while simultaneously working with borrowers during the life of their loan to improve their business financials.  

   With over 17 years of management experience in Real Estate Investments, Commercial Mortgage Banking and Financial Services, she has had her share of hard to fund loans. With her creative thinking and outside the box lending ideas, she has been able to close and fund loans on all types of Commercial and Multi-family properties, as well as special use properties such as churches, gentlemen's clubs, bowling alleys, golf courses and many more.

   Angelica is a graduate of California State University Sacramento with a Bachelor of Science in Business Administration, with an emphasis in Strategic Management. In 2008, she received her MBA. Angelica is a licensed Real Estate Broker, and holds an MLO Endorsement and NMLS license.  


Justin J. Gardner Vice President


Justin Gardner has more than 15 years of Real Estate, Home Mortgage loans and loan processing experience.  Justin holds a California Real Estate License, and for the last 12 years he held a position with a local Credit Union as a Loan Counselor and loan processor giving him the knowledge and experience through all aspects of the real estate buying and loan process. As you may know, the mortgage industry has changed immensely. How do you know who will best help you through this process with honesty and integrity? Justin’s customers say that his attention to detail made simple and complex transactions effortless, and they appreciated his honest and straightforward approach.

In 2019 Justin decided to join his wife Angelica Gardner and work fulltime for Asher Evan Investments.