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
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
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
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
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
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
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 2, 2019
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 27, 2019
Thank you Carter and Grant for walking me through the refinance process and finding me a great new loan!
Oct 18, 2019
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
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
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
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
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
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
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.