J. Carnes AZ Mortgages

06/04/2026

APR was BUSY with a few purchases & a handful of Refis! My greatest thanks to my valued clients -- helping you buy homes for your family or refinance to push more of your monthly budget to wealth planning is a privilege & a pleasure! If you're ready to purchase or refinance, let's talk! 928-600-1560, or DM me here!

06/04/2026

So much GOOD STUFF going on this weekend for the Rt 66 Centennial here in FLG! Check out the Classic Car Show + Live Music Downtown, check out for more details, and get !

06/02/2026

Older women are increasingly heading households later in life, often with lower incomes and higher housing costs. Home equity could play an important role in supporting financial flexibility and housing stability as they navigate this stage of life. Learn how to tap in to home equity *without* taking on an extra payment -- give me a ring to discuss the options: 928-600-1560 | [email protected]
Read more here: https://www.jchs.harvard.edu/blog/living-longer-less-financial-burdens-older-women

05/27/2026

More than half of recent retirees say they regret not saving enough. Thoughtful investment and withdrawal strategies could play a critical role in maintaining long-term stability, and establishing a Reverse Mortgage well before it's needed can be a key planning tool. Call or email me to discover your options: 928-600-1560 | [email protected]

Read more here:

More than half of people who retired in the past five years already regret not saving enough, according to research from the Nationwide Retirement Institute.

05/26/2026

More than half of adults over 50 are concerned about long-term care costs, with caregivers feeling it even more. Many are turning to their largest asset, their home equity, to help support this stage of life, whether they need care themselves or are helping provide it for someone else. To learn how to tap into home equity without adding a monthly payment, call me at 928-600-1560.
Read more here: https://www.michiganmedicine.org/health-lab/who-should-pay-older-adults-care-caregivers-answer-differently

05/25/2026

Today, we remember the brave souls who laid down their lives for our country. We are forever grateful for their service and the families who continue to carry their legacy.

05/22/2026

70 degrees and live music under the pines? Yes, please. 🌲🎸If you are looking to escape the heat and dive into some incredible local culture, the annual Grateful Festival kicks off tonight out at Fort Tuthill County Park! We are talking three days of incredible live tribute bands, local food trucks, artisan craft vendors, and those crisp 7,000-foot mountain town hangs. Whether you're heading out to the festival or just grabbing dinner downtown near Heritage Square, it is the perfect evening to escape the Valley heat & traffic & get that FLG vibe. Who else is escaping up north this weekend? Let me know where you're heading! 👇
Deets: https://gratefulfestival.com/

05/22/2026

23%. That's how many active U.S. mortgages can be transferred from seller to buyer—keeping the seller's original interest rate.
Most of those loans were originated between 2020 and 2022, when FHA and VA rates sat between 2.5% and 3.5%.
Today's Arizona rate: 6.75%. The savings on a $350K Phoenix home? Over $750/month.
Most buyers have no idea this exists. Most realtors don't market it. The opportunity is huge—and short-lived.
Comment ASSUME for my free guide on how this works in AZ.

05/21/2026

More older Americans are finding they can no longer afford to live alone, with seniors seeking roommates tripling in the past decade. For homeowners facing similar pressure, using home equity with a reverse mortgage may offer added flexibility to help cover rising housing costs. Call me to take the pressure off your monthly budget with Reverse Mortgage options.
928-600-1560 | [email protected]
Read more here: https://www.npr.org/2026/04/04/nx-s1-5760948/high-housing-costs-seniors-seeking-roommates

05/20/2026

! What an amazing compliment to receive from former clients who are now trusting me with their kids' loan! Here's to helping families make homes!