American Pacific Mortgage San Diego

NMLS #1850
Equal Housing Opportunity

At American Pacific Mortgage, our vision is to be the best retail mortgage lender in America. We pride ourselves on earning our client’s respect and trust by providing them with exceptional service, offering them some of the most competitive rates in the industry and by always acting in their best interest. We believe that our commitment to our customers and our community is the cornerstone of our success.


Recommendations (467)


Marian Barile recommends Carter Alexander Short

Customer Support Specialist, Dental-Medical

Carter Short and his Associate, Grant Clifford, have perfectly processed 2 Mortgage Loans for me. They truly are professional and know the mortgage business. Both are incredibly attentive, not only with the gathering of information required, but with kindly sending emails and phone calls, checking in to see if there are any concerns to talk about. Carter is energetic, clear and concise and lets you know he and his team are ready to help and get stuff done! Thank you, thank you for being so kind, gracious and helpful! Sincerely, Marian
Dec 5, 2019

Anthoula Smirniotis recommends Kelly Gardner


Kelly is amazing! She has been my go-to person for the past 8 years and now helping my entire family with their lending needs. Trust Kelly, she is the best of the best!
Dec 3, 2019

Lauren Fiedler recommends Kelly Gardner

Repeat Client

This is the second home buying process that I have gone through with Kelly, and she was even better the second time. And that meant buying and selling were happening simultaneously, which I was expecting to 10x worse. But the opposite ended up being true, and the whole process was a breeze! As issues did pop up, I knew Kelly would help us take care of it. We are so thankful!!
Nov 25, 2019

James and Patrice Edwards recommend Katrina Sigler

Katrina is the best loan officer I know. I've worked in this industry and by far she is exceptional. Our loan had many pieces to it and Katrina kept good control and handled every task with ease. Katrina always kept us informed and educated. My husband and I are eternally grateful to Katrina.
Nov 19, 2019

Marissa recommends Doug Siebenthal


Doug has been incredible through the whole loan process. He’s extremely knowledgeable and clearly had my best interest in mind. I felt confident and supported every step of the way. He also was effective in explaining the process step by step. I would recommend Doug to all my friends and family.
Nov 19, 2019

Stephanie M. recommends Carter Alexander Short


The service and personal attention I received from Carter Short, and his amazing team was exceptional and beyond what I was expecting. I appreciate his professionalism, and how he kept me well informed and was always very responsive to any and all questions I may have had throughout my loan process. Carter, is exactly the type of person you want working on your behalf, and I will never work with anyone else.
Nov 8, 2019

Sachi E. recommends Carter Alexander Short

Chula Vista

Carter and Grant and the team are the Best! My realtor recommended Carter as our loan officer. I and my husband never purchased home before . As first time home buyer we were so nervous and scared, didn't even know how process works.
But when we saw Carter the first time he made us feel comfortable right away. He helped my husband improved his credit score without his help we werent able to get our home. He explained any questions we have, responded to my texts calls soon as he can even on nights( after his hours) or weekends. When I have any questions even after we purchased home he is always so kind and helpful and still respond to me right away.
This is the reason we reached out to him when we refinanced mortgage few months ago and Carter and the team did great job and helped us get best lowest rate ever! I highly recommend Carter to everyone who is thinking purchasing or refinancing a home. Best experience and best customer service I ever had.
Nov 8, 2019

Ali D. recommends Carter Alexander Short

Happy Homeowner

I worked with Carter and his team recently to purchase my first home. He was extremely diligent and involved, ensuring I had all the tools to prepare myself. He called multiple times to walk me through the mortgage process. I can't thank him enough for his help! He helped me lock in an extremely low rate and explained the different options for lenders to me. He was the first to call and congratulate me on being funded! Overall, he provided a better deal than USAA and NFCU for my loan and processed quickly so I could close 4 days early! He was referred to me by Susi Besenbruch, of Coldwell Banker here in San Diego. Together they helped me find and purchase my first home in souther California and I could not be happier!
Nov 8, 2019

Toni Davis recommends Carter Alexander Short

Happy Homeowner

Carter and his team are awesome and very professional!!! This is our 3rd time working with Carter and as expected he delivered above and beyond. Carter is great at communicating and keeping us in the loop during the process. We never have to guess what's going on. He is never over promises and under delivers. Not to mention he's got great prospective. He's available even just to bounce off ideas in how to take advantage of the housing market. I always recommend him to everyone I know whether they're in the market on not. Nothing but high praise for his team!
Nov 7, 2019

Don Webb recommends Kelly Gardner

Refi Client

Kelly, you and your staff were top notch! You were on top of everything and informed me in a timely fashion on rates, rate lock, and documents that needed completing, etc. Whenever I called or texted you or your staff was usually readily available and when not, you or one of your staff called back the same day or within an hour of when I left a message. Your advice on locking in a rate and adjusting downward when possible was spot on. What more can I say. You are 5 star all the way! Don
Nov 2, 2019

Jen Verduzco recommends Carter Alexander Short

My husband and I are first time homebuyers and I Couldn’t have had a better loan officer. Carter was so patient, supportive, and prompt with everything. Carter and Grant would get back to us with an answer literally any time of the day I would message him. They always explained everything and more so that we always knew what was going on. I think most importantly to my husband and I they always stayed positive through our struggles of being in escrow so many times with this competitive market. Thank you Carter and Grant.
Oct 29, 2019

Michelle recommends Doug Siebenthal

We are so grateful to have had Doug as our loan officer. He explained everything very clearly so that all of our questions were answered. He was very prompt in following up with us and was extremely patient and helpful throughout the whole process. Thank you Doug for making this process easy on us. We appreciate all your hard work!
Oct 27, 2019

Kelly Jacobs recommends Carter Alexander Short

Thank you Carter and Grant for walking me through the refinance process and finding me a great new loan!
Oct 18, 2019

Simona Walker recommends Carter Alexander Short

Carter was our loan officer in January for our first home purchase here in California and he was outstanding throughout the whole process! A few short months later Carter reaches out to us informing us interest rates have dropped and it would be to our benefit to consider refinancing. We always trust the advice Carter gives us as he has never steered us in the wrong direction as new home buyers and first timers at refinancing. Carter earned our trust quickly as he is outstanding at his job, knowledgeable, very reliable, excellent customer service and response time to numerous questions, calls and emails.

We just finished the refinance process and our interest rate went from 4.75% to 3.25% and Carter went above and beyond to create an outstanding loan for us that met every need we had. Carter you did it again! Thank you! Looking forward to working with you in the future!
Oct 17, 2019

JC recommends Carter Alexander Short

Exec Assistant

Carter and Grant were a great team to work with. They were always very responsive to my emails/inquiries and worked with me to understand the details.
Oct 11, 2019

Robert D Calloway recommends Carter Alexander Short

Real Estate Broker/Navy Veteran

Carter and His team at APM is simply AWESOME!!! They recently completed a REFI for me and the transaction went smoothly and without any challenges!!! They are true Professionals, not only did i get an amazing rate, the loan was close prior to expected date...

Thank you again Carter and APM Team....

Oct 7, 2019

Heather B recommends Carter Alexander Short

Homeowner and Property investor

This was our second property transaction with Carter and his team. As a real estate investor having completed many transactions, I have worked with other lenders and never had the same experience prior to working with Carter and Grant. They make the purchase process as easy as possible for the buyer, explaining everything along the way and going out of their way to take the onus off the buyer. We have no need for other lenders now as other mortgage providers can't match the expertise and professionalism of Carter and his team. Thank you for all your hard work!!
Sep 26, 2019

Antonette Patterson recommends Carter Alexander Short

Regional Manager-First time home buyer

Carter, Grant and Brent KNOW their job VERY well...and that's taking care of their clients. We are first time home buyers and the details of every step they provided truly made us feel at ease. Grant is super thorough and detailed. They answered all of our questions. Advised us when we needed advise. Answered all of our calls, texts, emails almost immediately. We purchased out of state and it felt lile they were next to us holding our hands every step of the way. To top it off, we got a helluva interest rate locked in! We'll talk again on our second home purchase in the future! Thank you all again from our family to you three for making our dream into reality.
Sep 24, 2019

Joshua Reece recommends Carter Alexander Short

President, Force 77 Engineering and Consulting

Carter not only helped my wife and I refinance into an incredibly low rate, he was thoughtful, informative, and took all of the stress out of the process. He even lined up a notary to meet me while I was on business travel to sign the final documentation! Professional... Courteous... There aren't enough good things to say about Carter. It was a pleasure working with him!
Sep 21, 2019

Cheryl Doherty recommends Carter Alexander Short

HR Manager

Carter did an amazing job right from the very first call to see what options were available. He was always available to answer a questions, often after hours too. Once I had decided to move forward it was very clear what information he needed. It was a seamless transaction that worked out even better than expected, it is an incredibly wonderful feeling knowing you are in good hands during a home purchase. Carter’s Assistant Grant was extremely helpful too. What a dynamic duo to work with. Thank you both for being apart of a very pleasant life changing event I would highly recommend using this team.
Sep 19, 2019

Emily Escanuela recommends Carter Alexander Short


I am a realtor who has worked with Carter in several deals. He is always available to answer calls and emails, weekday or weekend. He gives us Friday updates so there’s no guessing with where we are at in the transaction. Once you’ve gone through the pre-approval process, know that he will deliver what he promised. He has worked with clients who has had credit hiccups and helped them with what they need in order to purchase a home. He is patient, honest, and will not beat around the bush. If you are serious about qualifying and closing, call Carter and his team! They are truly the best in the business!
Sep 18, 2019

Evelyn Manville recommends Carter Alexander Short


What can I say that everyone else hasn't said! Carter and Grant are amazing! We needed our re-fi done very quickly and they got it done in RECORD time! I have worked with a lot of lenders and some VERY good ones, but when "time is of the essence" I knew Carter would deliver. Anyone that has worked with Carter and his team know how efficient and knowledgeable they are with every detail. Thank you for everything you did, stress free! Nelson and Evelyn
Sep 15, 2019

Mowayne F. recommends Carter Alexander Short


Carter was very professional. He took a lot of time to explain everything step by step. He was even able to answer my questions after working hours. I would and already recommend Carter to all my associates that are in the market. Big thanks Carter!!
Sep 14, 2019

Dorothy Humphreys recommends Carter Alexander Short

Dorothy Humphreys

Carter and his staff made our home purchase seamless and stress free.

Excellent service and communication will use them again and have already referred them to a close friend.

Thank you Thank you!
Sep 6, 2019

Todd Padula recommends Katrina Sigler

Business Owner

Katrina Sigler, she will continue getting 5 star ratings for the rest of her career. No question she made the loan process seamless. She was available to speak with directly always. Karina has excellent communication skills and thoroughly explained every detail as well as answered all of our questions. It was perfect. Katrina makes the world turn!

Our Team