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Sr. Loan Advisor

Carter Short

NMLS #1005967

Sr. Loan Advisor • San Diego Branch

Cell: 619.517.0336
Fax: 855.710.7866
Licensed in CA

About Carter

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

Branch Address:
 404 Camino Del Rio S, Suite 602 San Diego, CA 92108

See what my customers are saying...

I have worked with Carter Short on several transactions over the past two years and have been extremely pleased with each one. He closes on time, and most of the time earlier than expected. Carter's dedication and communication throughout each transaction is A+ FIVE STAR Lender! I will continue to refer everyone I know to Carter. He's absolutely the BEST! 

Evelyn Manville - Professional Real Estate Agent

Working with a lender that has character to deal with clients, knowledge to be creative to borrowers needs and educates in the process is key to my successful closing. A loan rep that is respectful to all parties and persistent to moving the deal forward is key for me in a continued relationship. Carter has shown these qualities and has gained my confidence as a very well mannered and competent loan rep.

Horace Chavez - Broker Associate, Carrington Real Estate Services

Carter Short is phenomenal in what he does! From the beginning to the end of your loan process he is committed and driven. You never have to wonder where you are in the lending process and what comes next, because he is present and thoroughly engaged, keeping you well informed. Carter makes you feel important as a client and just not a number or someone to meet a quota or a financial gain. He will never tell you what you want to hear, but he will be honest and forthright, always conducting himself and your business with integrity! Whatever your questions are, he is able to answer with clarity and reassurance. You feel safe and that you are well taken care of in Carter's reliable hands! I recommend Carter Short with the highest regard! Thank you Carter for your valuable service and for working with a spirit of excellence 100% of the time!

Diane Clark - Paycation Travel Agent

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

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Which Mortgage Loan Suits Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide between various loan options.

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

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Thanking our Servicemembers: Your Guide to a VA Loan

In this guide, you will learn why VA loans are a great option for homeownership for active members and veterans in our armed forces.

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Home Buyer Blog

Let us help you find the home loan to reach your financial goals.

American Pacific Mortgage Programs

Your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer may stand out in a competitive market. Keys on Time Guarantee Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Secure Lock Our Bridge Loan programs can help you purchase a new home before your existing home is sold. Bridge Loan Programs If you are looking to buy a home that exceeds conforming loan limits, we have multiple Jumbo loan programs to choose from. Jumbo Programs Our Peak Loan program allows you to buy a home up to $1.5M with only 5% down. Peak If you are looking to finance a home that exceeds conforming loan limits, our High Balance Solutions program may be the ticket you need. High Balance Solutions If you are looking to finance a home that exceeds conforming high balance loan limits, you can split the loan amount between a first and second with our Jumbo Solutions program. Jumbo Solutions With our Expanded Access program, we have opened the doors to borrowers who need access to financing but don’t "fit" the standard agency or jumbo program guidelines. Expanded Access Investor Advantage gives you purchasing power in the market today for investment properties. Investor Advantage A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. Asset Inclusion If you can dream it, you can make it a reality. Finance the purchase of your fixer upper with the cost of repairs included in your mortgage. Dream Home Renovation Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines. Home Ready by Fannie Mae Purchase a home with low down payment and flexible sources of funds. Home Possible A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. STaR Loan Program Financing provided for the purchase and refinancing of manufactured homes. Manufatured Housing