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What Our Clients & Partners Say...

What Our Past Clients Are Saying


They took care of my last mortgage and it was an excellent decision. The entire process was smooth and I closed in 17 days.
-Jeremy Gerene, Jacksonville, FL, May 2018



This is the best realty/lender group we have ever used. This is our 3rd home purchase and they made the process easy and successful. They were thorough, professional, and accurate with all of their information.
Chelsea Holmes, Orange Park, FL, June 2018



If you’re in the market to purchase a home, I highly recommend Carbon Capital. We received professional and timely answers to our many questions.
-Susan Brennan, Jacksonville, FL September 2018

What Realtors Are Saying


Andrew and his team are always focused on customer service. He is responsive and easy to get on the phone when I need him to respond to a customers questions on mortgages. His team works hard to get us to closing without any hassles. I recommend anyone looking for a trusted lender to call Andrew at Carbon Capital!
-Kathleen Floryan, PV Club Realty, Ponte Vedra Beach, FL, August 2016



They are great, and they are really responsible for all my clients, I am really appreciate whatever they have done for me! They did my mortgage and most of my clients mortgages!
-ShanShan Zhou, Watson Realty, Jacksonville, FL, October 2016



Incredibly competent team that closes on time every time!
-Ross Mason, PVX Residential, Jacksonville, FL, October 2018

What Other Business Pros Are Saying


Great service and very professional helped me get a loan very quick and easy and we work together serving their clients as well for WDO, and pest control services!
-Michael Ohayon, Owner of Knockout Pest Control, Jacksonville, FL, October 2016



Andrew is very knowledgeable and his processors Casey and Kelly are very helpful and pleasant to work with!!!
-Bert Jones, Underwriter at Cardinal Financial, Jacksonville, FL, August 2018



We closed on our new home and our experience with Carbon Capital was fantastic. Being a small business owner made our paperwork more confusing but Andrew and Kelly knew exactly what to do and made the process a breeze!
-Duane DeCastro, Local Restauranteur, Jacksonville, FL, September 2018

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What Our Clients Are Saying

Han Fan
Han Fan

01:46 21 Mar 19

Me and my wife apply for mortgage back in August 2018.. the process is really smooth. very knowledgeable and willing to explain. Fast response time. I would give more than 5 star if I could.

Keith U
Keith U

16:03 14 Mar 19

Hands down the best mortgage broker in Jacksonville. Using Carbon Capital we were able to prequalify and place a bid on our first home in a matter of hours. Andrew went out of his way to explain everything and make sure we understood the mortgage process in simple terms. Casey and Kelly were able to answer all of our questions. They even answered our emails during the weekend and outside office hours. That is great customer service!

Rebecca Richey
Rebecca Richey

15:14 09 Jan 19

We have had an amazing experience working with Andrew, Casey and Kelly with Carbon Capital. They have been on top of everything to ensure we have had a very smooth closing. We are so pleased with their response time and professionalism throughout this entire process. Great job!! Thanks!!

Nicole Coburn
Nicole Coburn

11:07 16 Nov 18

Andrew/Kelly/Ross all gave exceptional performances during our home buying process. I highly recommend Carbon Capital if you are in the market. They made buying our home a breeze. The processes that they have in place are seamless and easy to use and give full details of everything that you may have a question about. Always promptly returned phone calls and took real patience and care which is outstanding with my anxiety through the whole thing. Thanks for everything you do. Client for life.

Susan Brennan
Susan Brennan

07:37 11 Oct 18

If you're in the market to purchase a home, I highly recommend Carbon Capital. We received professional and timely answers to our many questions and scenarios. Kelly is just the epitome of patience and very knowledgeable with regard to all types of mortgages. Being somewhat of a "commitment-phobe," the idea of a 30-year mortgage really drove my anxiety during the home buying process. It was reassuring to know that any questions or concerns would be quickly addressed by Kelly or Andrew with either a phone call, e-mail, or text. The personal service we received was second to none. In the end, I believe we got the best available rate and terms and found the entire process quite seamless thanks to Carbon Capital.

Stephen Sapp
Stephen Sapp

12:36 04 Oct 18

I've bought, sold, and refinanced houses over the years a number of times. I've never had the mortgage process go smoother than it had with Carbon Capital. Andrew and Kelly are fantastic! They explain everything in plain english. They're extremely responsive to questions via email or telephone. When I buy, sell, or refinance in the future, I won't have to do any shopping around; I will just make a call to Carbon Capital. Thanks Andrew and Kelly!!!