--- title: Home description: Meet Karen Jones, Certified Mortgage Loan Advisor/ Altitude Home Loans. Karen Jones has been serving consumers in the financial industry for 40+ years. --- [Skip to content](https://homeloansbykarenjones.com#main-content) - [Home](https://homeloansbykarenjones.com) - [Home Search](https://nest.me/?affiliate=karen.jones1) - Just for Agents - [Grow Your Business](https://strategy4successnow.com/) - [Menu of Services](https://karen-strategy4successnow.square.site/) - [Video Marketing](https://strategy4successnow.com/video-marketing) - [Website Services](https://strategy4successnow.com/websites) - Buyers - [Buyer Ready Program](https://homeloansbykarenjones.com/buyer-ready) - [1st-Time Homebuyers](https://homeloansbykarenjones.com/first-time-homebuyer) - [How Much Home Can You Buy?](https://myhome.freddiemac.com/resources/calculators/how-much-can-you-afford) - [Rent vs. Own](https://myhome.freddiemac.com/resources/calculators/rent-vs-buy) - [Home Values- Phoenix Metro](https://cromfordreport.com/rankings.html) - Refinances - [The Refinance Secret Strategy](https://homeloansbykarenjones.com/the-refinance) - 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[Drigg Title Verified Reviews](https://rightdata.driggstitle.com/prv/agent_review.show_all_agent_reviews?cont_p=401442) - [Raving Fan Videos](https://www.youtube.com/watch?v=-Bxw_sTD5ik&list=PLtmyuoUglgPdczNFLewCNx8bLAIMqxcLU) - [Contact](https://homeloansbykarenjones.com/contact-karen-jones) - [Home Loan Programs](https://homeloansbykarenjones.com/home-loan-programs) - [Karen's Blog](https://homeloansbykarenjones.com/blog) - [Apply Now](https://launch.altitudehomeloans.com/home/karen-jones) - [Help Us Help Others](https://erinchild.com/foundation) > #### ★ ★ ★ ★ ★ > > > > "I recommend Karen and her wonderful team. My brother and sister-in-law referred her. She was informative, helpful, provided guidance and resources every step of the way. I never felt overwhelmed with pressure. She worked with my husband and I on our time-line. Moved forward when we were ready, paused when we paused. Looked for the best loan options that benefited us. Karen cares, loves what she does and it shows." > > > > ![2024-04-04_09-53-51](https://homeloansbykarenjones.com/hubfs/2024-04-04_09-53-51.png) > > #### *Angie Ramirez*, Homebuyer # **Welcome To My Website!** #### We understand that buying a home is one of life's most significant milestones. Whether you're a first-time buyer or looking to refinance, we're here to guide you through every step of the mortgage process. #### With our team of experienced mortgage professionals and personalized approach, we're committed to finding the right loan solution tailored to your unique needs and financial goals. From competitive rates to expert advice, we're dedicated to making your homeownership dreams a reality. #### Explore our website to learn more about our services, access helpful resources, and get started on your journey to homeownership today. We're excited to embark on this journey with you! ![Karen_REal_Sig_transparent](https://homeloansbykarenjones.com/hs-fs/hubfs/Karen_REal_Sig_transparent.png?width=230&height=126&name=Karen_REal_Sig_transparent.png) Certified Mortgage Loan Officer NMLS 307015 ![Karen+Jones+Certified+Mortgage+Advisor](https://homeloansbykarenjones.com/hs-fs/hubfs/Karen+Jones+Certified+Mortgage+Advisor.png?width=225&height=117&name=Karen+Jones+Certified+Mortgage+Advisor.png)     ## **Values of My Team** #### We're not just a mortgage provider; we're your trusted partner in achieving homeownership dreams. With a focus on education, we empower you with strategic home buying strategies. Our mission goes beyond transactions; it's about building family wealth through real estate. We're committed to guiding you every step of the way, providing care, trust, and unwavering support. Our values of integrity, expertise, and compassion shine through in every interaction, ensuring personalized attention and guidance. ![Office Team](https://homeloansbykarenjones.com/hs-fs/hubfs/Office%20Team.png?width=2000&height=1429&name=Office%20Team.png "Office Team") ![MARKETING COACH KAREN JONES](https://homeloansbykarenjones.com/hs-fs/hubfs/MARKETING%20COACH%20KAREN%20JONES.jpg?width=1333&height=2000&name=MARKETING%20COACH%20KAREN%20JONES.jpg "MARKETING COACH KAREN JONES") **With a distinguished career spanning over four decades in the financial industry, Karen Jones is a seasoned expert dedicated to helping families achieve homeownership and build long-term wealth. Karen's journey began at Bank of America, where she earned numerous awards, including the prestigious "Award of Excellence," for her outstanding service. As a Certified Mortgage Advisor, Karen possesses extensive knowledge of various mortgage options including Down Payment Assistance Programs, enabling her to guide families through the complexities of the home buying process with ease.** **Karen strongly believes in the profound impact of homeownership on families' overall well-being and prosperity. She recognizes that owning a home is more than just a financial investment—it embodies the quintessential American dream of stability, security, and belonging. By owning their own home, families have the opportunity to create a nurturing environment where they can raise their children, welcome beloved pets, and become integral members of their community. Homeownership not only provides a valuable asset that appreciates over time but also instills a sense of pride and accomplishment in homeowners, empowering them to establish roots and build a brighter future for generations to come.** **Beyond her expertise in mortgages, Karen is deeply passionate about coaching real estate professionals and founded Strategy4SuccessNow, a platform dedicated to empowering real estate professionals with personalized guidance and unwavering commitment. Through her work, Karen aims to help families achieve their homeownership goals while laying the foundation for long-term financial success and prosperity.** - ### First Time Homebuyer Are you a first-time homebuyer ready to embark on the journey of homeownership? Let's make your dream a reality together. Beyond just finding a place to call your own, homeownership is a pathway to building wealth and securing your financial future. Take the first step towards owning your own home today and start building your future wealth. - ### Move Up Buyer Are you feeling the need for more space as your family grows? Let's turn your aspirations for a larger, more accommodating home into reality together. Alongside helping you find the perfect property, we'll employ strategic homebuying tactics to ensure you get the most value for your investment and potentially improve your overall cash flow. Take the leap today and let's embark on your journey to finding your ideal home! - ### Downsizing? Considering downsizing? Let's find your perfect smaller home together. If you're over 62, discover how downsizing could potentially eliminate house payments while retaining some home profits in your bank account. With my expertise and support, let's make your transition to a simpler, more fulfilling lifestyle both seamless and rewarding. - ### Strategic Cash Out Refinance Ready to leverage the equity in your home? With our cash-out refinance program, you can use the funds for home improvements or consolidate debt to improve cash flow. Our strategic cash-out program not only provides immediate financial relief but also saves you thousands with tailored repayment strategies, ensuring long-term financial success. - ### Rate/Term Refinancing Looking to lower your monthly payments and pay off your home sooner? Our rate-term refinance option can help you reduce interest rates and save on your monthly housing costs. Learn about our strategic repayment strategies designed to help you pay off your home faster while achieving long-term financial goals. - [![Home Loans by Karen Jones](https://homeloansbykarenjones.com/hs-fs/hubfs/Homeloanson%20Iphone.jpeg?width=762&height=768&name=Homeloanson%20Iphone.jpeg) **Select your loan officer thoughtfully. Seek out someone with experience, compassion, and transparency – someone who will advocate for you. Meet Karen! Click Here.**](https://homeloansbykarenjones.com/meet-karen) - [![Real estate Secure](https://homeloansbykarenjones.com/hs-fs/hubfs/Real%20estate%20Secure.png?width=500&height=500&name=Real%20estate%20Secure.png) **Check out the Cromford Report for insights into the rankings of home values across various cities in the Phoenix Metropolitan area, Arizona. Click Here.**](https://cromfordreport.com/rankings.html) - [![Living the Dream](https://homeloansbykarenjones.com/hs-fs/hubfs/Living%20the%20Dream.png?width=500&height=500&name=Living%20the%20Dream.png) **Exclusively for first-time homebuyers: Gain valuable insight on the many benefits of homeownership and why it's a wise investment decision! Click Here.**](https://designrr.page/?id=188396&token=717940398&h=9038) - [![QR- SCAN TO APPLY](https://homeloansbykarenjones.com/hs-fs/hubfs/QR-%20SCAN%20TO%20APPLY.png?width=437&height=451&name=QR-%20SCAN%20TO%20APPLY.png)](https://launch.altitudehomeloans.com/home/karen-jones) --- Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://homeloansbykarenjones.com) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://homeloansbykarenjones.com) [Twitter icon](https://twitter.com/intent/tweet?url=https://homeloansbykarenjones.com) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://homeloansbykarenjones.com) [envelope icon](mailto:?body=https://homeloansbykarenjones.com) "We are committed to educating and assisting qualified borrowers as they pursue their homeownership goals." ## **Hear From Past Clients** Customer Testimonials [![Powered by Reach150](https://reach150.com/img/common/powered-by-16.png)](https://reach150.com/altitude-home-loans/review/61033/karen-jones)   [Contact Karen](mailto:kjones@altitudehomeloans.com) --- Karen Jones, a Licensed Mortgage Loan Officer (NMLS 307015), located in Phoenix, Arizona has been serving families with their home lending needs for over 40 years.  As a Certified Mortgage Advisor, Karen is dedicated in ensuring that her clients are well educated and prepared for their new home loan decision.  Karen Jones complies with all regulations and rules of all government agencies and regulators including the Real Estate Settlement and Procedures Act. The services provided by Karen Jones are not a condition, nor do they create any obligation for any form of remuneration for any real estate settlement service related to any referral. The opinions expressed here are the opinions of the author and do not reflect the opinions of Altitude Home Loans.  Altitude Home Loans NMLS 1955555  AZ BK 1007669  Branch NMLS 2488403   ![Altitude Home Loans- Karen Jones Transparent](https://homeloansbykarenjones.com/hs-fs/hubfs/Altitude%20Home%20Loans-%20Karen%20Jones%20%20Transparent.png?width=986&height=204&name=Altitude%20Home%20Loans-%20Karen%20Jones%20%20Transparent.png) **                                                 Karen Jones**                                               Senior Certified Mortgage Advisor, RCS-D                                               NMLS 307015 | AZ Lic 0914383                                               Office:  602.613.3573                                               Branch Address:                                               8388 E Hartford Drive, Suite 111                                               Scottsdale, AZ  85255                                               Branch NMLS 2488403   [ Licenses & Disclosures](https://altitudehomeloans.com/licenses-and-disclosures/)    [NMLS Consumer Access](https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1955555)   Altitude Home Loans. NMLS 1955555. AZ BK 1007669. Altitude Home Loans is an Equal Housing Lender. Altitude Home Loans is not affiliated with any government agencies. This information is not from HUD or FHA and was not approved by the Department or Government Agency. This is not an offer to enter into an agreement. Information, rates, and programs are subject to change without prior notice. All products are subject to credit approval. Other restrictions and limitations may apply.  The views expressed are opinions of Karen Jones alone and do not necessarily reflect the views of Altitude Home loans.  The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Karen Jones does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision.  Karen Jones will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.   ![Equal Housing Logo- HD](https://homeloansbykarenjones.com/hs-fs/hubfs/Equal%20Housing%20Logo-%20HD.jpg?width=53&height=54&name=Equal%20Housing%20Logo-%20HD.jpg)