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 (485)


Lito & Heather Fojas recommend Carter Alexander Short

I have worked with Carter three times & every time he is professional, efficient, & quick to answer any of our questions. We had some complicated transaction & he was top of it & knowledgeable in helping us navigate to close quickly & with a great rate!
Mar 25, 2020

Terry Kraft recommends Kelly Gardner


Kelly has been very helpful and responsive at an incredibly busy time! Much appreciated.
Mar 23, 2020

KC and Travis Raymond recommend Carter Alexander Short

Nurse and recruiter

Carter did a phenomenal job getting us the best rate and holing our hand through every step of the way as first time homebuyers. We were concerned about complex employment histories with recently graduating college and we were able to get everything sorted out and get a great loan. Carter also helped us get the absolute best rate we could in our time period as well as advising us on best options with less than 20% down. He is extremely knowledgeable, but down to earth and easy to communicate with. I would 1000% recommend him.
Mar 17, 2020

John Boville recommends Carter Alexander Short

I have solicited Carter's services on three separate occasions, with outstanding results. Each time Carter was able to get me a great rate with fast and efficient service each time. In a stressful and tedious process Carter and his team's expertise made it easy and stress free. I cannot give Carter a higher recommendation.
Mar 10, 2020

Katherine Jennings recommends Doug Siebenthal

Everything went smoothly. My schedule was crazy and he worked around me. We were able to do almost everything remotely. Great experience.
Mar 3, 2020

Kristina Dela Rosa recommends Doug Siebenthal

New Homeowner

I was referred to Doug by a family member, and so lucky I was. He had been working with me for several months while I was looking at properties going on the market. At a certain point I decided to buy in a newer development and had to use their lender. Wow, it was like night and day! they did not demonstrate knowledge of my specific circumstances. Doug, on the other hand, had stellar customer service, he took into account my unique circumstances and was as sharp as they came to loans and VA loans. With the other lender, I really felt like I was one of many.

Doug promised me we would close on time, with no issues, and he was true to his word. I am hoping not to buy another house in the near near future (it is truly a process), but I will definitely use Doug for my loan needs when that time comes. he is the best - so professional and courteous.
Feb 28, 2020

Michael Allison recommends Carter Alexander Short

Project Mgr

This is the 3rd time I have worked with Carter. Always been a pleasure to work with and he really dives into any questions that I have. This is everyday work for him but to the person on the other side, these are things we don't deal with all the time and Carter and his team really do a great job of making sure there aren't any questions left unanswered. Thanks again!
Feb 26, 2020

Mark & Elaine Allyn recommend Doug Siebenthal


My wife and I were ready to refi the house, and pull some equity out as well, so we could remodel our home. With Doug's help we have never had a more enjoyable, pain-free refi experience. Doug made sure we were comfortable every step of the way, ensuring that we understood what was needed from us, answering any and all questions we might have had no matter how trivial. I am even pretty sure I asked a few same question multiple times and answering them in a timely fashion! Doug also worked to ensure we had the right refinance package that fit our needs. He was greatwith his communicating to us-consistently keeping us in the loop, even if it was after hours.
We are truly grateful that we had Doug on our side and we know that if there is another refi in our future next year or years from now, we are going to come back to him. We highly recommend Doug Siebenthal for any and all of your loan needs!
Feb 7, 2020

Christine Hoffman recommends Carter Alexander Short

Carter and Grant are amazing to work with. They are so helpful, honest, hardworking, and resourceful. Carter will walk you through every step of the process, answer all questions and returns calls and emails at lightening speed. If you need a lender go with Carter Short with APM. I have purchased over 10 homes in my life; primary residences, vacation homes, and rental properties and have never worked with a more professional lender ever. I will only use Carter and his team with my property purchases and refinancing.
Jan 24, 2020

Amberly D. recommends Carter Alexander Short

Carter and team are true pros. We were a bit hesitant to move forward with the VA Interest Rate Reduction Loan, but we had nothing to worry about. The process was nearly effortless thanks to not only how the VA process works to make it easy but also, of course, Carter and team’s experience. We got a great new loan. You’ll find a trusted advisor in Carter.
Jan 20, 2020

R Quintos recommends Carter Alexander Short

Software Engineer

Carter and team has helped family and friends purchase and refinance their homes. It was our turn to put his service to the test. We were very satisfied with Carter and Grant from the start. Speaking with them you know immediately that they know the business. We had some unique variables during our purchase, but they were so experienced that they knew how to keep us on track, and we closed a day sooner than the expected closing date. We highly recommend Carter and team if you want to professional that will get you the financing you need.
Jan 17, 2020

Andy Bordwell recommends Doug Siebenthal


If you are buying a home, Doug Siebenthal and his team at American Pacific Mortgage is the only call you need to make. Personable and professional from start to finish. No pressure whatsoever. Doug takes all the stress out of buying a home and allows the process to be fun and casual. Do not look any further...Doug is your man!
Jan 7, 2020

Alberto A Arellano recommends Carter Alexander Short


I was referred to Carter by my agent Rob, he mentioned that Carter was the best around. After dealing with Carter to get my loan done and get me and my family into our new home I couldn't agree more. Every time I had a question (mostly dumb) Carter always picked up the phone and answered my questions. He made me feel comfortable during the long process which is qualifying for a home loan. His staff (Grant) was extremely helpful as well, Grant was very easy to get a hold of and helped me get my paperwork in order. Overall if I were to buy a house again the first call I would make would be to Carter. 100% thank you for your help!
Dec 31, 2019

Michaelle Knight recommends Carter Alexander Short

Director, L&D

Carter has been our preferred loan officer since 2012! From the purchase of our home to refinancing, his professionalism continues to amaze us. He is timely, honest and always has his clients best interest at heart. We appreciate you and your team so much for making this holiday season and new year one we'll never forget!
Dec 30, 2019

Ed Montoya recommends Carter Alexander Short

Manager, Health and Safety; Deacon at the Church of Resurrection

Carter has been great from the beginning of our loan processing. He has the ability to think, plan and implement ways to fit the needs of the customer. He has provided good communication and foresight on the process. In addition, he has provided updates on the movement of the process - you know where you are at in the process. Best of all, he was available to answer all questions week nights and weekends. Carter is most highly recommended and trustworthy in all aspects of loan processing. Many thanks Carter for getting the loan funding on time. You cared to ensure we get the best of the best. Ed
Dec 20, 2019

Charles Wilson recommends Carter Alexander Short

Retired U S Dep HUD

Refinanced twice in last 14 months. Carter was very professional and proactive. From start to close less than 30 days. Unheard of with
most Lenders. I highly reccomend Carter and his Assistant Grant.

Dec 17, 2019

Remy Gaither recommends Carter Alexander Short

Mental Health Program Manager

This has been my second experience with Carter and Grant in a year. The first was the purchase and the second was the refinance. He’s always been great. I love how effective he is. I also love getting my “Friday updates”. Then I don’t feel left in the dark. I recommend him and will continue to do so.
Dec 14, 2019

Mike & Liz Stratton recommend Doug Siebenthal

Home Buyers

Doug was very knowledgeable and helpful while we were going through the process of buying a home for the first time. He was able to help us maximize the benefits of our VA loan and was able to lock us into a great interest rate. Overall the process went as smooth as possible and was fairly stress free! We highly recommend Doug and his team!
Dec 12, 2019

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.

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