14126 https://prod.dxp.academymortgage.com/about-us/team/j-carnes/detail
J. Carnes

J. Carnes

Loan Officer
NMLS #1809025

2076 South Woodlands Village Blvd 201, Flagstaff, AZ 86001

I am licensed in: AZ #LO-1003241

J. Carnes is a Mortgage Loan Officer serving Arizona. He has been in the mortgage industry since 2019; helping people like you obtain their goal of sustainable homeownership. J truly understands that mortgages and lending can be unfamiliar territory for many. Over the years he has had the.....

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Stop believing these mortgage myths

Mortgage myths can cost you—and even keep you from reaching your big-picture goals. Here are several worth rethinking.

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What your neighbors are saying about J. Carnes

“Really great job, never at any point felt in the dark about anything!!”

Austin prettyman %ReviewerLastName%
Williams, AZ

“Jay was excellent in keeping in constant contact thru the whole home buying process. His high, positive energy was a pleasure to experience in a time that was very stressful.”

Peter V.
Flagstaff, AZ

“J. was promptly responsive and knowledgeably helpful”

Christine A.
Camp Verde, AZ

“Very easy to reach and keep in touch on status”

Christopher G.
Camp Verde, AZ

“J's communication skills are excellent. He truly is a partner in the transaction.”

Lorraine delacruz %ReviewerLastName%
Munds Park, AZ

The strength and stability of a national lender


Top-rated mortgage lender on Zillow


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Academy branches nationwide

30+ years of mortgage experience, at your fingertips

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I will always take the time to explain your options, answer any questions you may have, keep you informed, and guide you through every step of the mortgage process, from the beginning to closing.

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