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
Jul 31, 2020
Homeowner
★ ★ ★ ★ ★
The anxiety and anticipation of buying a home was overwhelming but EVERYTIME I spoke with Carter, it all went away. Carter made everything so easy for us and on top of that, he ALWAYS provided us with updates during the whole process. Thank you so much Carter! And thank you so much for your amazing team as well!!
Jul 29, 2020
U.S. NAVY CPO
★ ★ ★ ★ ★
I really appreciate Carter and Grant! They really care about the impact they make. I've worked with them in the past with my VA Home Loan, and I'll continue to work with them in the future. They made my VA IRRRL refinance process feel so easy and fast (no headaches).

Bottom line: If you're reading this and considering refinancing your home loan through your bank/credit union, call Carter Short first! He and his team are very informative, personable, super friendly, and will not waste your time. They locked in an incredible rate for me and saved me thousands of dollars!
Jul 28, 2020
Insurance Agency Owner
★ ★ ★ ★ ★
Carter and his team were consummate professionals. I have referred clients to him and he has completed a self-employment loan re-fi for my primary residence. Loved the great communication all along the way. It was seamless.
Jul 27, 2020
★ ★ ★ ★ ★
Carter was easy to work with, available after hours, and straightforward. It was a pleasure doing business with him.
Jul 26, 2020
Nurse
★ ★ ★ ★ ★
The most knowledgeable person in the industry. Works tirelessly to ensure the job is done right. Willing to assist long after the loan is closed.
Jul 23, 2020
Sales Engineer
★ ★ ★ ★ ★
Carter and his team continue to deliver excellent service to me and my family members. Constant updates and clear communication helped make the house buying process and refinance experience a breeze. Thanks Carter!
Jul 21, 2020
★ ★ ★ ★ ★
Amazing communication and prompt responses during the transaction

He has such in depth knowledge of VA is was so helpful and he know VA better than any other lender I have worked with .
Jul 20, 2020
Financial Controller
★ ★ ★ ★ ★
Carter and his team did an excellent job! He delivered everything he promised. The entire process was super smooth. Thanks for his and his team's help, my closing process finished one week earlier. Highly recommend him and his team!
Jul 20, 2020
★ ★ ★ ★ ★
Carter, and Grant are an amazing team to work with. They always respond to my emails within minutes and the emails are very polite/informative. They went out of their way to help us refinance our 1st and 2nd in a timely manner. Our 1st was a ARM with rate going up, even with some credit problems history they got us a new VA loan with fixed rate. Stay in place restrictions of COVID (fax, email, phone). We are very grateful for this team for “making it happen” and will recommend them to all my family/friends.
Jul 3, 2020
Home Owner
★ ★ ★ ★ ★
"After dealing with Chase bank for six weeks and virtually no communication Carter was recommended to me. My experience with Carter was THE BEST! They are professional, up-beat, VERY helpful if you need “hand-holding” (I did!) and fast!!!! Best experience ever!"
Jul 3, 2020
Senior Associate
★ ★ ★ ★ ★
I'm a commercial realtor, self-employed, buying a house in the middle of a pandemic. Carter and his team came through like no others could. We couldn't be more appreciative of his transparency from the get go. He didn't just give us a rosy unrealistic picture, only to leave us hanging in the end. He gave us the truth, and then got it done. Don't waist your time and potentially lose your deal going anywhere else.
Jun 25, 2020
SustainablePropertiesSD.com
★ ★ ★ ★ ★
Carter has done 5 loans over the years! He’s amazing every time! Best pricing, best service! I have referred him to many of my friends that have purchase properties and refinanced properties. Your in good hands with Carter
Jun 24, 2020
Homeowner
★ ★ ★ ★ ★
Carter did an excellent job of keeping me thoroughly informed throughout my refinance process. He was able to quickly answer any questions that I had which made the entire process as smooth and stress-free as possible. Will highly recommend his expertise.
Jun 22, 2020
Homeowner
★ ★ ★ ★ ★
Carter was patient with me in the the process of refinancing my current home. Then he kept me updated on the refinance rates until I found one I was comfortable with. In my experience this industry just moves on especially in times like these.

Carter is definitely in the top 1% in his industry and anyone would be lucky to have him help them.
Jun 17, 2020
Homeowner
★ ★ ★ ★ ★
Carter, Grant and Dustin are such an amazing team. They generally respond to emails within 5 minutes and the emails are very polite/informative. They went out of their way to help me buy my first home in a timely manner...even with the Stay in place restrictions of COVID (fax, email, phone). I am very grateful for this team for “making it happen” and will recommend them to all my family/friends.
Jun 12, 2020
Vice President
★ ★ ★ ★ ★
First let me say, I don't do recommendations very often. Why, because I don't believe in rewarding people for doing their job. However... this is one I had to write. Carter and Grant were BEYOND EXCELLENT. Above and beyond in communication, detail and exceeded my expectations. Not only does Carter have a gregarious personality, his knowledge of the industry and market are impressive. I thought re-fi'ing was going to be stressful and frustrating. NOPE, not with these Pro's. Scale 1 out of 10, I would give them a 11. They were excellent at every turn and I would HIGHLY recommend them. Thanks again Carter and Team!!!
Jun 4, 2020
ENGINEER
★ ★ ★ ★ ★
Let me first start by saying that Carter writes the most polite emails ever. So much so i had to joke with him about it. Carter made the process as easy as it could be. I think we probably dealt with one of the hardest times to by a house with the whole COVID environment going on. Not to mention im self employed which makes it even harder. Carter was always available to explain things and answer any questions for me. Even when i was frustrated with paper work and such he kept cool and helped me through it. It was a pleasure working with him. I highly recommend him and will continue to work with him in the future.
Jun 4, 2020
Homeowner
★ ★ ★ ★ ★
"Although we could not meet face to face due to pandemic, he told us everything in detail and answered all our questions. it didn't take too long to get to results smoothly. I would definitely work with him again without thinking twice and I highly recommend him to everyone. thanks Carter for a great service."
Jun 1, 2020
Homeowners
★ ★ ★ ★ ★
Carter and his team are the best! Carter really knows his stuff. We were able to refinance our VALoan at 2.75% without any hiccups or issues and quickly even during COvid-19. Carter and his team kept us apprised thru the whole process; answered all of our questions. He should be a 10 star!!! Thank you so much.
May 29, 2020
VA Buyer
★ ★ ★ ★ ★
Carter Short and his team were outstanding! I am so glad that we found Carter to help us with funding our home purchase. An excellent communicator, he was with us every step of the way, super patient, incredibly responsive, whenever we had questions or concerns he was available. Buying a home can be stressful, particularly in a hot market like San Diego. However, the financing of our new home was zero stress thanks to Carter Short and team!
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
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My Associations

Equal Housing Opportunity | NMLS #1850