Jack Elza O'neal Humphres

3110 N Central Ave STE D160, PHOENIX AZ 85012

Get to know Jack

With 15+ years in mortgage lending, Jack founded HomePilot to make homeownership more accessible through AI-powered technology and wholesale pricing. He helps first-time buyers, seasoned homeowners, and refinance clients navigate the mortgage process with transparency and efficiency. Jack's mission is empowering confident decisions through innovative solutions, personalized service, and streamlined digital experiences that puts clients first every step of the way!

Why choose Jack?

Licensed in:

Arizona

Colorado

Florida

Texas

Loan Products:

Adjustable-Rate Mortgages (ARM)

Conforming Loans

Conventional Loans

Fannie Mae

FHA

Fixed-Rate Mortgages

Freddie Mac

Ginnie Mae

Jumbo Loans

Non-Conforming Loans

Years of experience:

Brokerage info

Questions? Jack has answers.

We prompted questions to Jack so you can learn more about their skills, preferences, and availability.

Who do you love helping most, and how do you make the home loan process easier for them?

I love helping all homebuyers and homeowners—from first-time purchases to refinancing. I make it easier with transparent guidance, straight answers, and personalized support every step of the way

How do you provide rate quotes for clients who want to protect their credit score?

I provide rate quotes using a soft credit pull that won't impact your credit score. You get accurate, personalized rates without the worry of hard inquiries. so you can shop confidently.

How do you support clients looking to improve their credit before applying?

We have an internal credit repair team that helps you improve your score before applying—completely free of charge. We'll guide you through the process to strengthen and improve your credit

Where and how do you typically connect with clients?

Please feel free to visit our website or text me on my cell at (954) 446-4339