Summer Anderson

Mortgage Loan Officer American Pacific Mortgage NMLS 129893/1850 Equal Housing Opportunity
Summer provides mortgage lending expertise and a variety of loan programs in ALL areas of CALIFORNIA and OREGON. She is a seasoned loan officer who has been well known in the industry since 1993.

Her experience brings a wealth of knowledge to the team here at American Pacific Mortgage. Dedication, product knowledge and being proactive is what she is well known for. Listening to the needs of her borrowers is extremely important to her. In placing them in the right product for their individual mortgage goals.

She continuously strives to provide top notch customer service towards a smooth loan process and a timely closing. This is what keeps her customers coming back! Summer creates a lending experience that people will want to tell their friends, relatives and coworker about. In being your lender for life!

Buying and owning a home is an important investment and should be an exciting time. Over the past 2 decades, Summer has purchased and sold over a handful of homes herself. She has "on-hand" experience with the transactional process and the emotions that both buyers and sellers endure. Her compassion and understanding of this, helps her stay in communication with the customer during the process.

Summer Anderson looks forward to working with you!

Do you know of someone thinking of refinancing or purchasing a home in any areas of Oregon or California? Your referrals are appreciated! Their mortgage lending needs will be in good hands!

503.860.5654 Direct Line or Email at

Branch Address: 5876 Owens Ave, Suite 100 Carlsbad, CA 92008
Nov 6, 2019
This is the second time we have worked with Summer. She’s is great at her job and is super easy to work with. Whenever I had a question (I had many) she was always quick to respond and was available even on weekends. I felt like she had our back throughout the home buying process!!! Thank you Summer
Oct 8, 2019
This is our third time using Summer and each time it is an amazing experience! She is always looking out for our best interest and makes the process and smooth and quick as possible! Look forward to continuing to use her for any future needs!
Sep 8, 2019
Sales Manager - Varonis
Summer has always been extremely helpful and process driven! She makes sure every 't' is crossed and 'i' is dotted. That truly makes the process automated and very efficient. We would absolutely recommend Summer and APM for all your mortgage needs.

Thanks again Summer!
Sep 3, 2019
Nick Donaldson
I originally purchased my home in 2015 with the help of Summer. She was excellent to work with and got everything done in a timely manner! I was so impressed with her the first time we used her we went back to her for years later to do our refinance in 2019! She was able to get that done quickly and was able to successfully close on our refinance quickly which we appreciated! I highly recommend her if you’re in the market to buy a house
Aug 5, 2019
Transaction Coordinator
Summer was the lender for a buyer who purchased one of my team's listings. It is always important to us that a transaction goes smoothly and stays on track for the closing date, not to mention that we were working with a couple of very special clients of ours. A real estate transaction is dependent on many moving parts, and the lender may have the most crucial role in the process. I am pleased to say that Summer and her team were very communicative with us, and had no problems at all meeting the closing date. Thank you for helping us take great care of our clients!
Jul 1, 2019
Summer helped us close on our first home in Oregon! She was a pleasure to work with, very responsive, and knowledgable. As first time homebuyers, she guided us through the process and helped answer all of our questions. Thanks to Summer, the closing period went smoothly. We would absolutely recommend working with her.
Jun 12, 2019
Investment Consultant
Summer did an amazing job with our recent loan refinance. She was very diligent and in tune with the market so we got a very competitive rate on our mortgage. The loan signing process was seamless benefitting from a slick online document viewing and signing process. It was a pleasure to work with Summer.
Jun 6, 2019
Mayra Astorga
Summer is awesome ! Kind , knowledgeable, accurate and was a pleasure working with her and her team !! We will definitely work with it’s her again !!! Thanks Again Summer
Apr 24, 2019
I have had two homes closed with Summer and have worked with her on a lot of home closures. If you are looking for the top mortgage broker in Oregon and California your need to look no further.
Apr 16, 2019
Summer was very friendly and easy to talk to. We felt like she took our needs seriously and was on top of the situation. Now my wife and family are in a happy new home... Thanks Summer for all your efforts!"
Mar 19, 2019
Home Owner
Once again Summer did an outstanding job on assisting me with obtaining a VA home loan. Just like the first time there was some complications due to my financial situation, yet Summer worked through them all to help me obtain my home. I wouldn't have my new house, or the one before it without Summers help! I would highly recommend not messing around with anyone else and just directly go to Summer for your next mortgage need.
Feb 23, 2019
Director, Clinical Program at BD Biosciences
It was a pleasure working with Summer and her team. Summer guideded us step-by-step through the entire home purchasing process. We are first home buyers and we appreciated the professionalism, patience and prompt response to all our questions and concerns. Buying your first home is an overwhelming process. Summer and her team made the process very easy and smooth.
We highly recommend Summer to anyone who is thinking about buying a home.
Oct 29, 2018
Industrial Equipment technician
Summer was wonderful to work with, she is clear and knows her stuff, she is organized, and works very efficiently. I greatly enjoyed working with her, she made our loan process very easy to understand and to accomplish. I will definitely be using summer again and would highly recommend her to anyone looking for a home loan.
Oct 10, 2018
I have had the pleasure of working with Summer on the purchase of 2 homes, one in San Diego, and the other in the Bay Area. Her knowledge of financial requirements and potential questions, and proactivity in researching options made the process efficient and quick, with each deal closing sooner than expected. I highlight recommend her, and her team (i.e. Sean Aguirre was fantastic).
Oct 2, 2018
Summer was consummate professional. My file was not a rubber stamp scenario.
Yet Summer took the time to collect all the needed information and made things run very soothly. She had loan documents at title two weeks ahead of my closing date. I could not ask for a smoother experience in getting a home loan.
Sep 28, 2018
Real Estate Broker
Summer Anderson and her team were amazing! We just closed on a transaction 2 days ago. We worked together in tandem and the client was well pleased with the results. The client actually said they had researched and went with recommendations for both the realtor and the lender because their first home buying experience had been terrible. Working with Summer to make this client's second home buying experience smooth, we were able to close on time with no complications. She was excellent throughout the process communicating proactively, laying out the next steps effectively, and making sure every detail was completed ahead of time. If you are looking for an incredible lender, Summer is exactly that!!
Sep 23, 2018
We recently bought a house through American Pacific Mortgage. Summer Anderson was our loan officer, who was very efficient throughout our loan process. She answered any questions we may have had and kept us informed on any changes on the loan, to make it easier to understand the process. We would definitely recommend Summer to anyone looking to purchase a home. Thank you very much for your professionalism ans help on buying our home.

Michael Goldsby and
Colleen Thompson
Sep 5, 2018
Summer was very knowledgeable about the special needs of buying and investment property! She was in regular communication and she and her team walked us through every step of the process. Uploading docs through her on-line system made the process so much easier! Thank you for helping us become landlords!
Aug 30, 2018
I recently worked on a home purchase with Summer as my client's Mortgage Loan Officer. Summer was a pleasure to work with because she was on top of every aspect of the transaction and she had excellent communication skills. It is such a pleasure to work with someone who has extensive knowledge of the industry and is professional and efficient. You can't go wrong with Summer on your team.
Jul 31, 2018
Maintenance operator
Summer Anderson worked unbelievable magic with us during our process of home buying. She done what 2 years of other lenders couldn’t do. We’re forever thankful for her hard work and always keeping us informed during the process.
Jul 31, 2018
Anthone Wiles
summer made this process much easier than we had thought it would go. At the beginning we weren’t even sure we would be approved but believe that this year is our year and Summer made it possible by guiding us through everything.
Jul 3, 2018
Finance Manager
Summer gave me sound advice throughout the process and put my best interests first. She is straightforward and knowledgeable and in my eyes is a trusted advisor for all future loan needs. Thanks Summer!
Apr 25, 2018
This is the second home that Summer has helped us purchase. She is incredibly helpful and knowledgeable! Thank you!
Mar 22, 2018
Fiber Artist
If we ever buy another home again, Summer Anderson will be the first person we call. She was with us every step of the way from figuring out how much we wanted to spend, how to best handle preparing to apply and of course the application and closing itself.

She gave us clear and concise directions that were easy to follow. She was always available for questions and very easy to contact whether by phone call, text message or email. Because of my personal health issues, there was some extra care and consideration needed during the process and Summer was incredibly kind and helpful.

Because of her and her team's hard work, we were able to offer a 30 day close and that helped seal the deal in getting the seller to pick our offer in our very hot real estate market.

I cannot say enough good things about her. My only regret is that her office isn't located in my town so I can't take her out for a fabulous thank you dinner.

Whenever we hear of people looking to buy or refinance in the future, I will always steer them to working with Summer as I know it's a way to help people get things done right.
Mar 6, 2018
This is the second time we've worked with Summer to purchase a home, and both experiences have been excellent. Summer and her team were very proactive in helping queue up everything that was needed for the underwriters. With both transactions we closed on time and without a hitch. We'll definitely use Summer again in the future and recommend her to anyone looking for a mortgage.

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