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Ernest Jones Jr


10429 S. 51st St, Suite 255 Phoenix, AZ 85044

Senior Mortgage Consultant NMLS #151944 Apply Now

About Me

Ernest is an experienced mortgage lending professional with over eighteen years of experience as a loan originator, branch manager and managing partner in the mort-gage industry and has been part of the Eric Kinneman Team since 2011.

His hometown is Tuscaloosa, Alabama where he graduated from the University of Alabama in 1980. He has an undergraduate degree in Business Administration and Master of Administration degree in Production Management. Ernest is a retired United States Air Force Officer and flying squadron commander serving twenty-one years prior to retiring in Tucson, Arizona. In 2002 his desire to help others and belief that “wealth comes through ownership” lead him to the mortgage industry. He quickly learned the importance of providing a quality product and the best service possible for his customers. After two years in the industry he became a branch manager and soon thereafter a managing partner/business owner at There Inc., dba, Approved Home Loans 2002-2009.

Ernest currently serves as President for the State of Arizona Board of Mortgage Professionals 2017-2019. He served as past President of Arizona Association of Mort-gage Professionals (AzAMP), Southern Chapter 2015-2016. He also served as Vice President for the HEARTH Foundation board of directors 2015-2016; an origination which provides affordable housing for low-income families with children,

Ernest is dedicated to making a difference in his community; he is constantly striving to help improve the lives of others. His invaluable experience as an Air Force Officer, real estate investor, realtor, mortgage branch manager/ business owner, licensed insurance and securities agent contributes immeasurably to his ability to positively impact the lives of others.

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Refinance Your Home

What does it mean to refinance your mortgage ? Refinancing your Mortgage is essentially replacing your current mortgage with a new one at different terms. Whether its to lower your rate, take out cash or consolidate bills, refinancing your mortgage can help improve your overall financial status.

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(Conventional, FHA, VA, USDA, Reverse, Jumbo)

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Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

* The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.


Ernest Jones helped us every step of the way to secure our loan for our first home. He was very helpful and organized. Thank you so much for all your help and hard work.

Denise S

Working with Ernest Jones was such a wonderful experience. He truly knows what he is doing and helped me every step of the way. I highly recommend Ernest Jones with LendSmart Mortgage!

Patty P

Ernest Jones step up to the plate and hit a home run. I was down in the bottom of the 9th need someone to step up to the plate for my home mortgage loan. My assistant coach recommend that we give Ernest Jones a shot at bat, I called Ernest Jones name, I whisper in his ear " I need you to bring the trophy to the house. Ernest did what he was train to do , that is deliver the hardware. I want to thank Ernest Jones on a job well done!!

Donald R

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