BUYERS : Avoid working with this mortgage company, they are super unprofessional and lack…read morecommunication, they will terminate your contract whenever they feel like it, and won't notify you at all. Do not use this mortgage company.

I would never recommend this company to anyone. Not even to people that I don't like. They have…read morepiss poor service, they don't communicate and they don't like to be questioned about things like , APPRAISALS! They're very rude, they over talk you, and you never get answers to your questions about anything. This company is dishonest. They no nothing a VA 100 percent loans, they don't appreciate veterans! The add extra things into contracts and don't expect for you to question it. Saratoga homes should NEVER continue to do business with JNC.

Our family decided to pursue a foreclosed house that was not eligible for a mortgage loan thru USAA…read moreor a couple other banks we tried. From my initial call with Ray, I felt comfortable with his knowledge and ability to help us close on the house we wanted. He stayed after hours to accommodate my work schedule and to walk us thru our modified mortgage options. Andrea was incredibly organized and amazing at running our numbers. Communication was great through our closing process. I would definitely trust Ray and Andrea with future mortgage or realty needs. Will recommend.