Ready to buy your dream home? Start your purchase journey today with competitive rates and expert guidance.
Lower your monthly payments or access your home equity with our refinancing options.
Access calculators, guides, and tools to help you make informed mortgage decisions.
Learn more about our company, explore career opportunities, and discover our impact on the mortgage industry.
Proudly serving clients across TX, AL, AZ, CA, FL, GA, IL, KY, LA, MN, OH, PA, SC, VA
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Rating: 4.7 out of 5.0 from Encompass They were great about communicating with me and i I appreciate that Donalyn P.SANFORD, FL Aug 15
They were great about communicating with me and i I appreciate that
Rating: 4.8 out of 5.0 from Encompass The whole process was very simple. Jacob MatthewRUBY, SC Aug 15
The whole process was very simple.
Rating: 5.0 out of 5.0 from Encompass working with Justin was great. He had patience for all our questions, very knowledgeable, kind and personable. We would definitely recommend any family or friends to him. We also would work with him in the future if needed. Mary AnnHouma, LA Aug 07
working with Justin was great. He had patience for all our questions, very knowledgeable, kind and personable. We would definitely recommend any family or friends to him. We also would work with him in the future if needed.
Rating: 4.8 out of 5.0 from Encompass Friendliness, communication, informative MatthewMauldin, SC Aug 01
Friendliness, communication, informative
Rating: 5.0 out of 5.0 from Encompass Justin and Lisa are professional Joseph WayneMETAIRIE, LA Jul 21
Justin and Lisa are professional
Rating: 4.8 out of 5.0 from Encompass Communication and promt responses to our questions helped tremendously. MarcWEST GROVE, PA Jul 17
Communication and promt responses to our questions helped tremendously.
Rating: 5.0 out of 5.0 from Encompass Justin and Lisa were great and helpful and patient and never gave up through all the roadblocks along the way AdamMAPLETON DEPOT, PA Jun 23
Justin and Lisa were great and helpful and patient and never gave up through all the roadblocks along the way
Rating: 5.0 out of 5.0 from Encompass Everything was great, good communication and answer questions and email right away. Julian RobertoTucson, AZ May 15
Everything was great, good communication and answer questions and email right away.
Rating: 5.0 out of 5.0 from Encompass My experience was great starting with Justin the first day. I was searching the internet for loan information and I didn't want to talk over the phone at the time. I liked Justin because he kept communicating with me via text and email. He was very patient and I felt comfortable with him. Anita S.ATLANTA, GA Apr 28
My experience was great starting with Justin the first day. I was searching the internet for loan information and I didn't want to talk over the phone at the time. I liked Justin because he kept communicating with me via text and email. He was very patient and I felt comfortable with him.
Rating: 4.8 out of 5.0 from Encompass Having a reduced rate and a team that kept communicating and trying to get to me to help me. BenjayBIRD ISLAND, MN Apr 15
Having a reduced rate and a team that kept communicating and trying to get to me to help me.
Rating: 5.0 out of 5.0 from Encompass Justin made it happen and we appreciate him and Sarah so much! Can't wait to work with them again in the near future! LaurenGAINESVILLE, GA Apr 14
Justin made it happen and we appreciate him and Sarah so much! Can't wait to work with them again in the near future!
Rating: 5.0 out of 5.0 from Encompass Our agent Justin explained everything to us as we went through the process, making sure we received everything and understood what was going on at all times. We really appreciate him. We couldn't have asked for a better agent. RebeccaLacombe, LA Apr 09
Our agent Justin explained everything to us as we went through the process, making sure we received everything and understood what was going on at all times. We really appreciate him. We couldn't have asked for a better agent.
Rating: 5.0 out of 5.0 from Encompass Made it easy for the whole process TomChicago, IL Mar 20
Made it easy for the whole process
Rating: 4.8 out of 5.0 from Encompass Everyone kept me informed where we are in the process. It was easy to upload my documents I didn't have any trouble with getting things done Kimberley S.CINCINNATI, OH Feb 01
Everyone kept me informed where we are in the process. It was easy to upload my documents I didn't have any trouble with getting things done
Rating: 5.0 out of 5.0 from Encompass I was nervous due to this being my first home so this was my first refinance. Justin was very polite and explained the process to my understanding. Glad I did it at this time. ErricaTALLAHASSEE, FL Dec 01
I was nervous due to this being my first home so this was my first refinance. Justin was very polite and explained the process to my understanding. Glad I did it at this time.
Rating: 4.8 out of 5.0 from Encompass Justin was just wonderful and ppeasant to work with. Lisa was great and very through in obtaining information needed. Good people! Linda D.TALLAHASSEE, FL Sep 19
Justin was just wonderful and ppeasant to work with. Lisa was great and very through in obtaining information needed. Good people!
Rating: 5.0 out of 5.0 from Encompass Justin was very kind and patient. He was quick to answer the many questions I had. I appreciate all the help he provided during the entire process. DarcySAN TAN VALLEY, AZ May 01
Justin was very kind and patient. He was quick to answer the many questions I had. I appreciate all the help he provided during the entire process.
Rating: 5.0 out of 5.0 from Encompass Attentive to detail KenzaGRAYSON, GA Feb 17
Attentive to detail
Rating: 5.0 out of 5.0 from Encompass Communication and call backs were spot on. Information was Benjamine REASTVIEW, KY Nov 11
Communication and call backs were spot on. Information was
Rating: 4.2 out of 5.0 from Persona migrate verified I would have liked to have been updated more frequently about the status of the loan and received more timely responses. James S.Tenaha, TX Jun 28
I would have liked to have been updated more frequently about the status of the loan and received more timely responses.
Rating: 5.0 out of 5.0 from Persona migrate verified Justin was a pleasure to work with. He is attentive and professional and was always there to answer questions. DANIELROCKFORD, IL Jul 19
Justin was a pleasure to work with. He is attentive and professional and was always there to answer questions.
Rating: 5.0 out of 5.0 from Persona migrate verified Justin was always available to help answer questions and move the process along. He was very knowledgeable and ensured I knew what to expect. PATRICKTUCSON, AZ Jul 19
Justin was always available to help answer questions and move the process along. He was very knowledgeable and ensured I knew what to expect.
Rating: 4.8 out of 5.0 from Persona migrate verified We had a good conversation and explain ot to me right. LORNAREDWOOD FALLS, MN Jun 28
We had a good conversation and explain ot to me right.
Rating: 5.0 out of 5.0 from Persona migrate verified Justin was there to help me from the beginning. He always answered in a timely manner. I went back to him even after I was given a loan processor, because the processor didn’t help me. Justin was very personable and help my loan process in 3 weeks. Thank you Justin. Dpnna DONNAGRAVOIS MILLS, MO Jun 02
Justin was there to help me from the beginning. He always answered in a timely manner. I went back to him even after I was given a loan processor, because the processor didn’t help me. Justin was very personable and help my loan process in 3 weeks. Thank you Justin. Dpnna
Rating: 4.0 out of 5.0 from Persona migrate verified Better communication. There were several days I reached out to Sina and Kristine left several voicemails and emails trying to find out where we were in the process and no response. At one point I was ready to stop the process and cut my losses. GLORIABEECH ISLAND, SC Apr 16
Better communication. There were several days I reached out to Sina and Kristine left several voicemails and emails trying to find out where we were in the process and no response. At one point I was ready to stop the process and cut my losses.