Dawn Carter

Sr. Mortgage Specialist  |  NMLS - 127668

Licensed in Arizona, California, Oregon & Washington

About Dawn Carter

After earning a finance degree from the University of Oregon (GO DUCKS!), Dawn began serving clients and their mortgage needs in 1994. She’s been recognized as a top loan originator since 1995, showing her dedication and commitment to her clients.

As part of her commitment to clients, Dawn will answer questions, follow through on promises and work with clients to find the best loan program for their individual needs. She’s also passionate about keeping clients informed and staying connected. No matter when you need her, even on evenings and weekends, she’s available. She’ll even be there for you after your transaction closes so she can continue adding value to your life and be your mortgage resource for life!

According to Dawn, “my goal is that you will come away from working with me feeling knowledgeable and having a plan. You will be so happy with my knowledge and service that you will become a client of mine for life and feel inspired to recommend me to others.”

When she’s not at work, Dawn is dedicated to community involvement. She was a founding board member of the American Cancer Society of Portland, and she’s still involved with the organization as a member of the Board of Advisors. She also serves as a volunteer at the Boys and Girls Club and has worked with ESL & GED students as a tutor.

  • 5 star ratingThis was the third time we had worked with Dawn. She was able to help us overcome some difficulties we encountered along the way. She was patient, and most of all she pushed the loan through with the utmost efficiency. I highly recommend Dawn Carter with Directors Mortgage!

    Debbie J.

    Great Communication and Human Interaction I was referred to Dawn by our realtor. She was more than helpful and always available with any questions we may have had. They were intentional to always send a personalized email every week updating us on the status of our approval process when purchasing our home. I would recommend... read more


    Awesome! I was referred to Dawn Carter from my realtors. Working with Dawn was an absolute pleasure. She was very helpful from start to finish, even answering all my pestering questions. Couldn't have asked for better service! She worked hard to ensure that I was getting everything... read more

  • Peace of mind, every step of the way! Made the process so incredibly easy! Answered questions at every step of the process. Never felt pressured or unsure. Truly amazing team! I would recommend her to everyone I know!


    Amazing!!!!!!! Best Customer Ever! They always keep you informed and I always knew what was going on with the purchase of my new home. Highly recommended! I am so happy with this team and look forward to working with them again in the future and I will refer... read more


    Excellent! Great service. Our buyer agent told us about Dawn. She is very professional. Dawn knows what she is doing and always give us honest advise. She response immediately to all texts, emails, phone calls even in the week-end and explained all the details through out the transaction.
    We got what was promised....
    read more

  • 😍😍😍 You ABSOLUTELY must use Dawn Carter at Directors Mortgage - Lake Oswego. 😍😍😍 You ABSOLUTELY must use Dawn Carter at Directors Mortgage - Lake Oswego. Truly. She's brilliant. Our original lender fell through a week into our house purchase. Dawn stepped in and fixed everything --- Ok, that's making it sound way simpler than it was. She worked magic - Superior Sorcerer... read more

    Stephanie Gonzales

    Superb Service I just purchased my first home and couldn't have done it without Dawn. She guided me thru every step with complete professionalism and kindness. I always knew the next step in the process due to her weekly email updates. She truly is the BEST!


    Best Mortgage Broker Ever! Dawn made our refinance super easy! She is knowledgeable, organized, hardworking and very friendly! Dawn was able to get our refinance completed very quickly and efficiently! She always makes sure you are up to date during the entire process. Dawn does an incredible job making sure you are at ease... read more

  • Hard working and dedicated professional! Dawn was our mortgage lender and she far exceeded all expectations. This was not our first time purchasing a home but it was the first time we received such exceptional service. The purchase of our home was finalized days before Christmas, during a worldwide pandemic. Through open, honest and clear... read more


    Extremely patient, knowledgeable, and knows how to get the deal done! Dawn Carter and her Loan Officer Assistant, Rachel are the DREAM TEAM! As first time home buyers we were extremely stressed about the entire process. Dawn is a PRO and listed everything that needed to be done from start to finish. I always knew where we were in the process... read more

    KaHee Emerson

    Very helpful lender! I was refered to Dawn carter by my real estate agent. Dawn carter fought to get my new small business earnings accepted in underwriting which was critical to me getting accepted. Now I am in my home in nw Portland and very happy thanks Dawn!!

    byron weiker
  • Best Mortgage broker Dawn Carter has been our mortgage broker for many years and transactions, and I will continue to send friends and family to her. She is extreamly knowledgeable in all types of financing including veterans. She is thorough and organized and there are no surprises.


    Go with Dawn Dawn will get it done. Very committed to making it a convenient transaction. She has a good team behind her. Been working with her for 20 years. Can’t go wrong.

    Steve Randles

    Five Star Customer Service The level of customer service you receive working with Dawn exceeds what you could expect working with anyone in any industry. Dawn gives timely updates, detailed explanations, and makes herself easily accessible to answer any and all questions. Mortgages can be overwhelming but so important in one's life,... read more

  • North of expected We already had a pre-approval letter in-hand from another lender when we called Dawn. Dawn came to the rescue because she knew how harsh and cruel the local seller's market was and acted in sync with the entire process. That local knowledge and professional competence, coupled with her hands-on communication,... read more

    alexa & david

    Diligent and Fun Crunching Nerd She tells you what she will achieve for you and does exactly that and much more! Dawns humor is magnetic on a first call. She makes a known tedious process easy. Very professional. If you are looking for someone to breakdown the numbers and give detail explanation, Dawn is the... read more

    Temi A

    Great Service! This is the second time that we have had the pleasure of working with Dawn. She was our loan officer when we purchased our home and we used her service to refinance. Great Job! Always available and attentive.

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