Jan 17, 2019
Where do we start with Carter’s review when we have so many good things to say about him?
He is professional, knowledgable, an expert in his field, a loan wizard, kind, honest and caring about his customers and their needs.
When we scheduled our first appointment with Carter to see what our options were I felt very hopeless that we would never be able to afford a house in San Diego due to costs (to make it more difficult I wanted a property walking distance to the water) pretty unrealistic for our price range.
We are first time home buyers with zero experience and knowledge on the loan/house buying process and I am VERY neurotic and ask one million questions until I ensure I understand every little detail of the process. Let me tell you Carter was soo patient, answered every single questions I had regardless if it was my first time asking it or my 100th time (which I definitely did). He never made me feel stupid, annoying, or like I was bothering him. He would text/e-mail/call at all hours of the day to make it convenient for me and put my mind at ease. He was always available and flexibe.
Carter also made suggestions on how we can pay off some debt in order to be able to afford a higher mortgage if we chose to buy a more expensive property and opened up our eyes to options we never thought exsisted when it came to our budget. He is a genius when it comes to numbers!
When we first met him we weren’t ready to make the jump and apply for the VA home loan we were just gathering information. Carter followed up with us for six months until we were finally ready. He was never pushy and never gave up on us.
Here we are now HOME OWNERS of a property 0.5miles to the ocean where we have peak a boo ocean views from our patio in California and we only paid $900 out of pocket in closing costs and we received 90% of our earnest deposit back! WHAT A DREAM COME TRUE! All because of Carter.
He monitored the market constantly to ensure he locks in the best rate for us, to get us credits in closing costs, and once again to ensure he delivers the perfect loan and situation to make us home owners in California without breaking the bank and respecting our budget and limits.
Our loan was the perfect Cinderella story! At one point we were worried we would end up with a 6% interest rate and no credits in closing costs and the loan wizard Carter Short worked his magic once again and got us a loan with an interest rate of 4.75% and $1500 credit in closing costs! This made our mortgage more affordable then expected and definitely helped my husband and I sleep easier at night.
We would use Carter as our loan officer over and over again and would highly recommend him to anyone who is looking to buy a property. If you hire Carter Short you won’t make a mistake. He is honest, and kind and him and his team truly care about their clients and have the clients best interest in mind! Prior to Carter we had met with a different loan officer who recommended loan options that weren’t good for us and would have required us to refinance 6 months down the line because that would mean the loan officer gets paid for two loans versus one. When we told Carter this option he was highly disturbed that other loan officers attempt to perform loan churning and do not look out for their clients. Carter was so kind to be honest with us, look us in the eyes and explain how we were about to be scammed and ensure he provided us with an honest experience that fit our needs versus doing something wrong to get paid twice. If this doesn’t speak of his character and his care for his clients I don’t know what does. As first time home buyers he could have told us anything and we would have believed it, but he was honest and amazing!