CBGC Mortgage, St. Augustine FL

Justin was knowledgable, dependable, and extremely honest; one of the rare brokers who put their clients' needs above his own commission. He listens to your needs and provides valuable market information to enable you to make the best choice for your particular situation. We valued his respect for military and his knowledge with VA loans. I would highly recommend Justin to anyone who is looking to purchase a home.

Justin Smith was very helpful in navigating my spouse and myself through our first home purchase! He gave prompt and detailed answers to any of our questions and concerns. He made a potentially stressful process very easy!

CBGC was professional and provided outstanding customer service. They were there to answer all my questions and get me the lowest rate possible. They made the process extremely easy and seamless. I highly recommend their services.

I am so impressed! I can not believe how easy it was to refinance my home with the help of Justin! We spoke on January 12th and were closed by January 22nd! Justin is professional and dedicated! I HIGHLY recommend Justin!

Justin was patient, informative and professional throughout the process. I was selling a home and buying one at the same time. Justin's calm manner and guidance served me well. This double transaction was a first for me and I was not familiar with even some of the vocabulary, let alone the requirements. He was an excellent communicator and was sure that I understood what was required. I highly recommend him. A gentleman and the consummate professional.

Justin was great and easy to work with. He helped me refinance quickly and was very efficient. Already referred him to my family for their refinance. Would definitely use him again if needed in the future.

We did a refinance with Justin Smith on a property we own. The entire process was quick and easy. This was definitely the smoothest refinance we’ve ever done. I highly recommend Justin and his company for any mortgage needs.

Great rate, quick turn, low fees, transparent communication, and a knowledgeable broker. Justin delivered a great product with impressive speed. Thanks CBGC mortgage!

Justin was fabulous! He is responsive as well as informative. He keep us informed where we were in the process of our refinance and was able to immediately answer all my questions. WIth Justin, the refinancing of our home was painless and faster then I had originally thought it would take! I recommended him to my friends!

Justin has always been a great help in getting the perfect product for what we purchasing situation you may be in! I would hands down recommend to anyone and will continue to be my go to. Thanks so much!

CBGC Mortgage has been a pleasure to work with. As a realtor I’ve worked with a few different companies but Justin goes above and beyond. The communication is top notch and he is always keeping me in the loop and very proactive. I recommend CBGC to all my clients.

When I was purchasing a new home in 2019, I had no idea of the process because my last purchase was over a decade ago. I was introduced to Justin Smith and explained to him my gap of knowledge asking him for help. Justin listened to my request and took the time to explain while answering all my questions. He made me feel like a valued customer and was always polite, professional as he worked through the paperwork finding me the lowest interest rate. After the sale, Justin followed up with me to see if I had questions and he suggested some next steps. I highly recommend Justin Smith and will use him again in the near future. Thank you for all your hard work in getting the job complete with quality care!

Justin was amazing to work with. He was very knowledgeable, quick to respond, and patient with all my questions:) I highly recommend allowing Justin to help with your mortgage needs.

We are so thankful for the guidance, effortless process and peace of mind that Justin and the CBGC team offered during the purchase of our last home. Justin is very responsive and worked hard to get us the best rate. If you want a great partner in the home buying process, Justin comes highly recommended!

Justin was amazing to work with from the start to finish. We highly recommend CBGC Mortgage for everyone's home buying and refinancing needs. He was thorough, honest, efficient, and worked hard to get the job done right. We always felt informed and knew what to expect. We plan to use Justin for all our future needs.

Justin goes above and beyond on every transaction. He is transparent and helps with every step along the way!

Justin makes sure to find you the best loan for your situation. I’ve dealt with him for 2 different loans already and will look forward to do business with him again in the future. Doesn’t matter the time of day, seems like he’s always available to answer any questions I had.

I was a first time home buyer when introduced to Justin Smith and always have many question especially with something I’ve not done before and being such a big investment. Justin was a very nice, easy, knowledgeable, and just overall a very trustworthy person to work with. Anytime I had a question he would have an answer or if we wasn’t 100% sure would clarify and get back to me with quick response times. He took the time to explain any and all questions I had in detail with phone call, email, and through text as that was my easiest form of communication. Justin was very accommodating to my needs during work hours and after hours to make the process for me as easy and stress free as possible. I have recently refinanced with Justin and the process was just as smooth as the initial home buy. Without a doubt I will be using Justin for business in the future and would recommend him without hesitation to any family and/or friend.