J CARNES
I’ve spent 15 years in the mortgage industry. That experience covers a wide range of loan products and every kind of market. I joined the mortgage business because I love helping people reach major life goals. Buying a home is one of the biggest financial decisions a family makes. I want that process to feel… Continue reading Yanaiz Sotelo
I am a licensed loan officer specializing in Reverse Mortgages, also known as the Home Equity Conversion Mortgage, or HECM. I have spent 27 years in the mortgage business and I have built my career around one belief: when seniors are educated about their options, they make better decisions. I am an ardent advocate… Continue reading Terri Nettles
I started in this business in 1996 as a bilingual loan officer at Wells Fargo, originating mortgages while finishing my accounting degree at ASU. After graduating, I went to work as an auditor at Ernst & Young, but I never stopped doing loans on the side. When my wife stepped back from her career to… Continue reading Steven Lines
I started in the mortgage business in 2000 as an assistant to my mom, who was a mortgage professional. She believed in the “sink or swim” method. That forced me to figure things out on my own. I spent hours researching guidelines and untangling complicated loan issues. It gave me a strong foundation in the… Continue reading Shane Hollenback