J. Carnes

Loan Officer
NMLS # 1809025
State Lic AZ #LO-1003241


2076 South Woodlands Village Blvd
Suite 201
Flagstaff, AZ 86001
Fax number: (928) 226-0403

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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 opportunity of working with people who have a wide variety of situations and has helped them achieve their financing goals. Whether you are a first-time homebuyer, refinancing or buying your third investment property, J will guide you through the loan process seamlessly by providing quality communication and advice. J can provide a wide range of home loan options that makes the most sense for your situation.

What are the benefits of working with an Academy Mortgage Loan Officer? The thing that makes Academy so great to work with is that we are a direct lender. This means each branch and regional office is equipped to complete the entire loan process in-house. J will be in control of your loan file throughout the entire process. This system allows for continuous communication and has given us a proven track record of closing loans quickly and efficiently.

Download J. Carnes’s My Mortgage: Mobile App today for a trusted mortgage calculator and his contact information.

Does it sound too good to be true? See J. Carnes’s 5-Star rating and reviews on Zillow!

J. Carnes offers Conventional, FHA, VA, USDA, or down payment assistance loans servicing the Phoenix and beyond including Flagstaff, Williams, Cottonwood, Grand Canyon Sedona, Camp Verde and surrounding Northern Arizona areas

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How much will my fixed rate mortgage payment be?

This calculator computes the payments (principal and interest), based on home price, down payment, and other factors.


How much mortgage might I qualify for?

This calculator computes the finance amount, based on income, expenses, credit rating, and other factors.


How much home can I afford?

This calculator computes the most expensive house you can buy, based on the highest payment you can afford.


How much will I save by increasing my mortgage payment?

Increasing your payment will reduce the principal on your mortgage, the total amount of interest you’ll pay, and the number of payments.

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