Justin Toenjes, Loan Officer NMLS# 167048

Justin Toenjes, Loan Officer NMLS# 167048 LO NMLS: 167048
Company NMLS: 6274
Equal Housing Lender
https://www.peoplesmortgage.com/legal

Justin Toenjes (ten-yes) is a highly accomplished finance professional with a strong background in mortgage banking and a passion for helping individuals achieve their financial goals. As a devoted husband and father of three, Justin understands the importance of financial stability and prides himself on assisting clients in securing their dream home and building a solid future for their families.

He holds a Bachelor of Science degree in Finance from Arizona State University. With over two decades of experience in the industry, Justin began his career as a Loan Processor in 1998 and quickly rose through the ranks, earning titles such as Branch Manager, Producing Branch Manager, and Vice President. Throughout his career, he has assisted countless clients in finding financing solutions that align with their budget and long-term financial aspirations. Raised in Gilbert, Arizona, Justin understands the local market dynamics and has developed a deep knowledge of the region’s real estate landscape. His extensive experience in mortgage banking both for regional banks and national home builders, coupled with his commitment to personalized service, has earned him a reputation as a trusted advisor and reliable partner both locally and nationally. Beyond his professional pursuits, Justin is an active contributor to the community. He serves as a Board Member for Boys to Men Mentoring Group of Greater Phoenix, an organization dedicated to young men through mentorship programs. In his free time, Justin enjoys the challenge of training for triathlons, a testament to his disciplined mindset and determination. With his expertise, genuine passion for helping others, and proven track record, Justin Toenjes is the go-to professional for all your mortgage financing needs. Whether you are a first-time homebuyer, a seasoned investor, or someone seeking refinancing options, he is dedicated to providing exceptional service and guiding you towards financial success.

Happy National Donut Day! You donut know how much we appreciate you.
06/07/2026

Happy National Donut Day! You donut know how much we appreciate you.

06/05/2026

We are here to help, reach out when you are ready!

06/04/2026

Homeownership begins here.

Enjoy reduced payments with a rate buydown! More and more people are lowering their interest rates through rate buydown...
05/28/2026

Enjoy reduced payments with a rate buydown!

More and more people are lowering their interest rates through rate buydowns. Wondering what it's all about and if it's right for you? Here's the scoop:

A buydown lowers your interest rate by paying discount points at closing. These are one-time, upfront fees.

Each point costs 1% of the mortgage amount. For example, one point on a $350,000 loan would be $3,500.

Each point reduces the interest rate by 0.25%. So, one point could take your rate from 7% to 6.75%.

You can often negotiate for the seller or builder to pay the discount points for you!

Interested in learning more? Connect with us TODAY!

Curious about VA jumbo loans? Here is what you need to know!If you have any other questions, don't hesitate to reach out...
05/26/2026

Curious about VA jumbo loans? Here is what you need to know!
If you have any other questions, don't hesitate to reach out!

05/25/2026

We come together as a nation to honor and remember the heroes who made the ultimate sacrifice in service to our country. Their courage and selflessness will never be forgotten. Today, we pay tribute, expressing our deepest gratitude for their unwavering commitment to defending our freedoms. Let us pause to reflect and honor their memory.

Spring into homeownership! The market is heating up, let's get you home with low down payment options, down payment assi...
05/20/2026

Spring into homeownership!

The market is heating up, let's get you home with low down payment options, down payment assistance programs, flexible credit solutions, and personalized guidance from start to finish.

05/19/2026

If you are a Veteran, active-duty service member, or surviving spouse, you should be aware of this opportunity.

You can now buy your dream home with no down payment required, no monthly mortgage insurance, and credit scores as low as 580 are accepted. It's time to make the dream of homeownership a reality. Reach out to learn more.

05/18/2026

This month we're proud to recognize those who serve and highlight the benefits available to you, check out this one-minute Real Estate Fast Facts video.

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2055 E. Centennial Cir
Tempe, AZ
85284

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