
About our founder
Javan Carbonero is the founder and guiding force behind the JTL Mortgage Team, a boutique mortgage advisory firm headquartered in San Diego. With a mission rooted in generational impact, Javan has redefined what it means to deliver strategic, relationship-driven home financing—placing legacy at the center of every transaction.

Mortgage Advisor
Javan Carbonero
A first-generation American professional of Mexican descent, Javan grew up with a profound respect for the meaning of home. What began as a childhood dream—to own, design, and one day build a home—evolved into a lifelong commitment to help others secure that same sense of permanence and pride. To him, a home is more than shelter; it is sacred ground, a reflection of family, and a cornerstone of patrimony.
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An alumnus of San Diego State University’s Fowler College of Business, Javan built his foundation in business, finance, and real estate with academic rigor and community insight. Today, he leads JTL Mortgage with precision and purpose—offering curated loan solutions, tailored strategies, and white-glove service to clients seeking more than just a mortgage—they seek guidance, clarity, and legacy.
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Under Javan’s leadership, JTL Mortgage has become synonymous with trust, excellence, and enduring impact. Every loan is handled with the highest level of detail and discretion, empowering families to build long-term wealth—one home at a time.
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