Carter Alexander Short

Loan Officer American Pacific Mortgage San Diego NMLS# 1005967/1850 | Equal Housing Opportunity
I am a Loan Officer specializing in outside sales for the San Diego branch of American Pacific Mortgage. APM has been an industry leader for more than 20 years and provides tremendous resources and support to assist my referring partners and clients in this ever changing mortgage market. We offer a full range of products including reverse mortgages!

Our In-House lending platform, consisting of on-site underwriters, document drawers, and funders, has assured our position in the marketplace as a local Direct Retail Mortgage Banker positioned to meet the needs of our local community.

Please contact me for any of your home lending needs at 619-517-0336
May 28, 2020
Home owner
★ ★ ★ ★ ★
Carter and his team did a great job! Carter is the provided the best customer service person. I can not give him enough praise for his efforts and dedication to getting our loan complete. He was available to answer my questions at every turn. We used personal meetings, text, email and phone calls to keep us informed. I truly appreciate Carter and his team. They got everything done in a timely manner!
I highly recommend Carter and American Pacific Mortgage for any future home loans to anyone!
May 28, 2020
★ ★ ★ ★ ★
Carter is great!He delivered everything he promised. Easy to reach with any questions we had. He truly cares to get the best loan for you. We highly recommend him! Thanks a lot Carter, to you and your colleagues at American Pacific Mortgage.
May 22, 2020
★ ★ ★ ★ ★
I can’t say enough good things about American Pacific Mortgage’s service. I started a loan application with Quicken, because I thought using an online lender would be quick and simple. Wrong! After two months in escrow and with the seller threatening to cancel our deal, my Realtor suggested starting a backup application with APM. Long story short, Carter and Grant saved the day! They put my application together quickly, were on top of all communications, and closed my loan faster than expected.
Carter and his team were so professional and friendly, I never felt pressured (even though we were in a high-pressure deadline situation). They took the time to answer all of my questions and made themselves available by email, phone and text throughout the process. I wish I had started out with APM. It would have saved me so much time and hassle!
May 21, 2020
Buyer
★ ★ ★ ★ ★
Carter Short is a consummate professional and did fantastic work for us. He was honest and hardworking and genuinely made sure that we got the loan we needed and that was best for us. Carter and his staff moved mountains for us and we cannot recommend him enough. You will not regret working with Carter
May 21, 2020
Broker Associate
★ ★ ★ ★ ★
My buyer used Carter and he was great to work with. Great follow up and closed 1 week early
May 21, 2020
Retired Army
★ ★ ★ ★ ★
Carter is “our guy!” Over the years we have financed and refinance a number of properties. It is such a great feeling to know you can pick up the phone and get answers to current mortgage law, rates and options. We are beyond grateful for Carter’s expertise. Carter is hands down the best in the business!
May 21, 2020
Broker
★ ★ ★ ★ ★
Carter, pickup the ball and got it over the goal-line. He closed a purchase loan in fifteen days start to finish. Great JOB!!
May 20, 2020
★ ★ ★ ★ ★
Carter has been our loan officer for two home purchases and a few refinances. Carter Is one of the most knowledgeable people I know and he is full of insight and most importantly has integrity. Carter cares about his clients and is always out for their best interest. Carter all around is a great person and an excellent loan offer that will work 24/7 if need be. I have called him on holidays, weekends and after hours he always picks up or if he missed your call he will call you right back immediately. Thank you Carter for all you have done for our family!!!!
Apr 13, 2020
Honest and to the point
★ ★ ★ ★ ★
We have bought a couple houses and never has a mortgage been so easy. He was very honest and to the point which is exactly what I expect. Couldn’t be any happier with the entire process. Carter and his team were fantastic!
Apr 10, 2020
Supervisor
★ ★ ★ ★ ★
Carter and his team are the best. Always everything so quick and painless process. Even this hard situation, my loan finished in 3 weeks! Thank you!
Apr 8, 2020
★ ★ ★ ★ ★
I spent approximately 15 years in the mortgage lending industry and Carter is absolutely one of the best Loan Officers I ever known.

I trust him with my own personal home loan/refinance and since retiring from the industry, I forward all my previous customers to him with complete confidence.

His knowledge in all areas of mortgage lending, especially VA loans, is 2nd to none. His direct and honest approach through the entire process from application to funding/recording is refreshing. He provides updates in a timely manner and is very responsive to calls.

Thank you again Carter. Oh and I really appreciate the GREAT rate!
Apr 1, 2020
★ ★ ★ ★ ★
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 23, 2020
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
★ ★ ★ ★ ★
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.
Feb 28, 2020
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 7, 2020
★ ★ ★ ★ ★
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
★ ★ ★ ★ ★
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
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 7, 2020
Electrician
★ ★ ★ ★ ★
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
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
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
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
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 12, 2019
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
Nov 19, 2019
Retired
★ ★ ★ ★ ★
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.
Show More

My Associations

Equal Housing Opportunity | NMLS #1850