Contact Me

Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

J Carnes

J Carnes

Loan Officer

2076 S Woodlands Village Blvd, Suite 201, Flagstaff, AZ 86001
Own what matters
Own what matters

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Product Info


4.89 out of 5.0 stars
Kevan H
Mar 01, 2024

J is incredibly detail oriented, will help you at all steps of the mortgage process, and quick to communicate when you have a question. He was awesome through our home buying process.
Feb 17, 2024

J was very helpful throughout the process and always available to answer questions.
Jessica L R
Feb 17, 2024

J not only provided knowledge and expertise, but also offered a multitude of loan options that allowed our Client's to be in a position to make a competitive offer on their home. The communication was very clear and concise and I highly recommend having J in your corner.
Feb 07, 2024

J. is an awesome communicator! There are so many steps in the transaction, and he was great at letting me know when each step was happening and what was needed to have a smooth transaction. I will absolutely be referring him to my family and friends for their mortgage and refinance needs. Thank you, J.!
Dec 27, 2023

Excellent communication that was quick and to the point, well-explained, and all of my options were laid out in an understandable way. I cannot more highly recommend J.!!! He also volunteers his time at local running races, which is another huge bonus.
Austin P
Dec 07, 2023

Incredible service, highly recommend!

Video gallery

View More



Causes I'm
passionate about

NMLS ID #1809025
I am authorized to do business in the state of Arizona. AZ BK#0018883; AZ BKBR# 1050935; AZ LO Lic.# 1003241;