El Paso Branch
About JNC Mortgage
JNC Mortgage is an incorporated full service mortgage company which has been providing home loans for first time buyers and growing families since 1998. At JNC Mortgage our residential mortgage experts specialize in helping you find the best loan available that fits your family’s needs. Whether you are interested in your first home or your newest home, we can help.
Our website is designed to help simplify the buying process of your next home. Go to our Apply Online page and quickly fill out forms to get you started, or Contact Us and let one of our friendly professionals answer all your questions. Visit our Loan Types pages to view all of the varied programs available to mortgage customers today. If you aren’t really sure where to begin or what you qualify for simply visit our Prequalify page and we will guide you in the right direction.
In addition to loans for new or existing homes, we can also assist with refinancing your current home. We are here to serve at your convenience in person, online or by telephone. Call us today!
El Paso Branch
As the Area Manager of JNC Mortgage Monica Chavez prides herself in helping her customers and educating them on the mortgage and home buying process. Monica’s experience in the mortgage lending industry extends over 14 years. Her previous employment was specializing in customer service and mortgage credit analysis, She also worked directly with the major credit Bureau Experian. Monica goes above and beyond for customers in order for them to become a proud homeowner. Mrs. Chavez is a born and raised El Pasoan and she currently resides in El Paso, TX with her husband and their two daughters.
Jeana is a licensed loan originator and processor for JNC Mortgage Company. Jeana graduated from New Mexico State University, where she received a BA in Finance and Marketing. After graduation, Jeana has multiple years in the real estate industry with a focus in the mortgage process. Her goal is to provide an excellent customer service experience, and make the home buying process the most memorable experience a customer could have.
Valerie Encinas began her career in the residential lending industry in 2004, and has been originating and processing loans as well as leading and training successful teams ever since. She loves the processing side of mortgages because she loves assisting her customers through the whole mortgage process. From credit qualifying to finishing up the details of keeping the mortgage payment to what each individual family needs in there forever home. She just doesn’t do things quickly, she does things the right way and pays attention to the details. She takes pride in the relationships she develops with her customers, and she makes it a priority to provide each client the personal attention they deserve.
Born and raised in El Paso, Valerie Encinas devotes much of her spare time to volunteering for El Paso Bandits Football/Cheerleading, El Paso Mortgage Bankers Association (former Treasurer Chair 2014), participating in church activities and spending time with her Husband and three beautiful children.
Lucas has over 5 years of experience in the mortgage lending/homebuilding industry beginning as a field technician and escalating to the production manager position for the Austin division. He also has experience in construction estimating and, most recently, in post-closing/compliance at JNC Mortgage Company. His responsibilities include selling and insuring executed loans as well as maintaining compliance in mortgage codes and laws.
Lucas received a degree in Bachelor of Arts of Business Administration from New Mexico State University and also holds a license as a residential mortgage loan originator.
Marimar, has over 19 years of experienced in the Real Estate and Residential Lending industry. She is a subject matter expert in mortgage underwriting and audit review, focusing on identifying fraud. Marimar is also a Direct Endorsement (FHA) and SAR (VA) Underwriter specializing in wholesale, retail, quality control, and loan origination.
At JNC Mortgage, Marimar responsibilities include loan decisions and validation of loan compliance with Agencies and investor guidelines. Her duties involved issuing final loan approvals, reviewing investor guidelines to ensure compliance, and communicating loan decisions, issues, and resolutions to all loan personnel. Her Underwriting capacity includes FHA, VA and Conventional loans.
Prior to joining JNC Mortgage, Marimar held mortgage industry positions as Mortgage Underwriter with Nationstar Mortgage and then assigned to High Risk Level Review Underwriter due to her outstanding Quality Audits results, Government Underwriter (FHA/VA) with Flagstar Bank, Loss Mitigation with One West bank, VA Underwriting with USAA, Asset Preservation Specialist with IndyMac Bank, Licensed Loan Originator with Texas National Mortgage, and Realtor with Century 21 Preferred Realty
Branch Manager Houston JNC
Branch Manager Yani Nufio takes drive and dedication to every closing. Born in El Salvador and raised in Los Angeles, Yani brings international knowledge and a solid banking background to her Houston-area clients at JNC Mortgage Company Inc.
Yani’s mortgage experience stems from several years working for major banks, where her clients enjoyed her high standard of service. Now with JNC, Yani uses here financial talent, as well as her Corporate Communications degree from the University of Houston, to ensure a clear and focused process for her clients.
In spare time, Yani enjoys precious moments raising her young daughter. To have a caring and driven professional help you with your mortgage goals, contact Yani at [email protected] or 832-755-1204.