After working as a CPA for the first few years out of college, I joined the mortgage industry in 2003. My expertise in interpreting tax returns has allowed me to assist numerous self-employed borrowers qualify for mortgages when they have been turned down by other lenders. I provide excellent service to all of my clients by concentrating on their needs and wants when it comes to a home loan. I try to make the process as easy, organized and efficient as possible by structuring everything correctly from the very beginning, and communicating as needed throughout the process. I strive to make the home buying experience fun and enjoyable for our clients and set proper expectations. Our bank provides among the best rates and closing costs in the country for all available loan products, whether it be Conventional, VA, FHA, or JUMBO loans. If you need assistance in buying or refinancing your home, please give me a call.
Licensed InAlaska Alabama Arkansas Arizona California Colorado Connecticut District of Columbia Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Virgin Islands Vermont Washington Wisconsin West Virginia Wyoming
Responsive, seamless, simple
Every step of our refinance process was smooth and seamless. CJ was always responsive, timely, and friendly. And I felt like I could trust him. He knew what he was doing, and he helped move us along in the process. Everything from getting quotes, locking in a rate, getting documentation uploaded, all the way to closing... was simple and smooth. Given a chance to do this again... I would choose CJ in a heartbeat.
Alvin from Phoenix, AZ
Exceptional customer experience
CJ was the absolute best! Very professional and definitely knew his stuff. He definitely did what was best for us. He made the process so easy and I greatly appreciated it especially with me closing with a POA due to my husband being overseas. I would recommend him to everyone who is looking to purchase a home.
Nora from Siler City, NC
CJ was on top of everything and made this a very easy process. He was in constant communication during the entire loan process and I couldn’t be happier with the service he provided.
Mike from Evergreen Park, IL
Process was nice and easy and could all be done from my house. Very satisfied and would definitely recommend.
Nathan from Saint Charles, MO
C. J. recently assisted us with refinancing our home mortgage loan. It was a great experience. C. J. had been referred to us by a friend whom he was assisting. My wife and I were very impressed with C. J.'s immediate actions to complete the necessary paperwork, his responsiveness to our questions and inquiries, and his overall courtesy and professionalism. We certainly recommend C. J. Sears and NBKC Bank for your home mortgage loan needs. We enjoyed a great experience working with C. J. to process and complete our loan action.
Vincent from San Antonio, TX