Nick Carter

Producing, Regional Vice President  |  NMLS - 200547  | 

Licensed in Arizona, California, Idaho, Oregon & Washington

About Nick Carter

Nick was born and raised in Eugene, Oregon so he has a vast knowledge of the area, businesses and most importantly the people. Nick graduated from Sheldon High School in 1997 then at the University of Oregon in 2002 with a degree in Business. Nick is very passionate about helping people achieve their dream of becoming a homeowner and saving people money by refinancing. He also loves helping people purchase investment properties and second homes. He has been married since September 2003 and has a son who was born in 2007 and a daughter in 2011. Boating, camping and spending time with friends and family is where you can find him when he’s not working. With almost every loan program available and the ability to shop numerous lenders it’s worth the time to reach out for a friendly no obligation phone call. Call him today to experience what excellent customer service is about!

  • Amazing Team! The entire team at Directors Mortgage was absolutely fantastic. Everyone was quick to reply, eager to provide answers, and treated me like they cared. I felt like I had a team behind me, eager to help me get into my new home. The team was positive, knowledgeable, and supportive. The... read more


    Just want to thank you and your team... ... for all the support and great service in getting Dustin approved and through the home loan process. From my perspective, it was relatively quick, efficient, professional, and competitive. It was also easy to reach out and communicate with your staff, Lindsey and Edward are great. We truly appreciated you... read more

    Monte & Dustin

    Great to Work With! Nick was very thorough and patient in explaining all the details of refinancing my home loan. I have purchased several properties over the years, but never refinanced one.He or one of his team responded very quickly to my questions as they arose. I feel like I got a great deal... read more

    Belinda Brimhall
  • A smooth re-fi, again. Nick Carter and his team at Directors Mortgage, Eugene, Oregon were a pleasure to work with. During the Coronavirus pandemic, most of the work was done on line but the instructions were easy to follow and there was lots of timely support from the team.

    Jesse Harris

    The path of least resistance Working with Nick and the Carter Loans team was a painless experience. Transparent and helpful. Simple and to the point. Excellent customer service. Delivered on promise. Highly recommend working with Nick Carter. So much this was my 4th time working with him.


    Best Customer Service! Nick's team worked tirelessly helping me, as a first time homebuyer, to find the best loan product. Their customer service is top notch and made the process as easy as possible. Highly recommend!

    Travis Shannon
  • Nick Carter’s coaching around credit scores and how to make smart decisions is what led to us being able to purchase our dream home.

    Seth B., Springfield

    Very easy refinance process Everything was very smooth and everyone we worked with was polite and professional. The process closed on time and we now have a much lower rate than our previous loan. I would recommend Directors to anyone looking for home financing.


    They make dreams come true ... October 2020: Just finished refinancing my home with Nick & his team - this makes my 4th time working with them, two home purchases & two refinances. In my opinion, there is no better than Nick Carter & his team. They walk you thru every step of... read more

  • They make dreams come true ... This is my second loan thru Directors Mortgage & my experience was just as wonderful this time around. Nick & his team went above & beyond to make my Christmas miracle happen - 10 business days from contract to close, same day funding and all this over the holidays.
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    Great service Nick and his team were so helpful! Kind, thorough, and forthright. They sent emails updating status each step of the way. My loan closed a couple days late, but escrow was bogged down, so was understandable. Would definitely use Nick and his team again!


    Best in town Very thorough and fair. Nick and the team were always trying to do what was best for me, and to make it as easy as possible. Extremely responsive and always available to help.

    Greg W.
  • Simply The Best This was the second mortgage loan this team has processed for us, and they were just as excellent as last time three years ago! Nick Carter’s coaching around credit scores and how to make smart decisions is what led to us being able to purchase our dream home. We are... read more

    Seth B

    Approachable, efficient, and trustworthy! Nick and his team were very helpful throughout the entire process. Everything was well organized and I received the same level of expertise from every representative. We were first-time homebuyers, so naturally we were unexperienced and a little nervous but Director's Mortgage did a fantastic job on keeping us on... read more

    Michelle Garibay

    Amazing Nick was amazing to work with, easy process! Would recommend to anyone! I am self employed and the process was much easier then I expected! Thanks Nick

    ken mashak
  • Great staff, quick closing, very responsive Nick Carter and his staff at Director's Mortgage were great to work with. I was a first time home buyer and they helped me through every step of the process. They are always very responsive whenever I needed to contact them, whether that was walking in the office, via e-mail... read more

    Denise C

    Incredible Customer Experience Nick Carter and his team are more than excited and talented to be working with any financial scenario thrown their way. Many can provide this Service, but far less than few can give the kind of experience Nick and his team can. Impeccable people to work with and give your... read more

    Tyler Boening

    Persistent and Hard Working I would highly recommend Nick Carter and Director’s Mortgage in Eugene. My property has some unique circumstances that have made past refinance attempts difficult/impossible, but Nick and his team were very persistent and worked hard to make it happen. Their communication throughout the process was exemplary which helped me feel... read more

    Ken Best
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Mortgage Education Center

Direct Talks Episode #4 | Navigating Tricky Mortgages w/ Dawn Carter

Senior Mortgage Specialist Dawn Carter (NMLS – 127668) sits down with us to talk about navigating tricky mortgages and finding creative solutions to getting buyers through the home loan process.

Buying a Rental Property in 2021

Buying a Rental Property in 2021

Buying a rental property can be a great investment and perhaps even a source of income. A home’s value typically appreciates over time, so in addition to collecting monthly rent payments, you stand to make a profit should you ever decide to sell the property. However, buying a rental property is a major financial (and…

Direct Talks Episode #3 | Understanding Underwriting w/ Scott Hale

Scott Hale, Associate Vice President of Underwriting at Directors Mortgage, sits down to talk mortgage lending guidelines and the underwriting process, along with how buyers can best situate themselves to have their loan approved. Subscribe to Direct Talks: More Than a Mortgage podcast on Apple Podcasts today.

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