“Carmen Inclan at Raymond James Bank has done an outstanding job meeting the demands of the clientele I work with. Many of my clients are doctors and business owners, and Carmen has been in tune with their specialized needs. The bank has even been able to offer new programs, such as the Physicians Mortgage, tailored to these professionals. Having local mortgage professionals, like Carmen, as well as local underwriting and a local closing department dedicated to meeting the sensitive time frames for financing and closings has proved invaluable to my business. I have found Carmen and the Raymond James Bank team to be responsive and dedicated to ensuring the transition through financing is done as seamlessly as possible.”

Niobrara Planning & Integration Supervisor

Carmen - All went very smoothly with the closing. All documents were there and in order and funds were there and I’ve got the key in hand now! Thank you for all of your help in this process and for being so responsive to questions. The Closing Agent was also very complimentary of RJ – said that you all were very good to work with. Thanks again.

Traci Burns
Smith & Associates Real Estate

“Carmen is still amazing! Trust me, I will be recommending her and Raymond James Bank to everyone in the market. I can't thank her enough for a great deal and a hassle-free closing. Everything was perfect – I owe her big time! When I filled out the follow-up survey, it was easy to reply with only ‘exceeds expectations’.”

Rich Pegram
Vice President & General Manager

“I recently had a chance to work with Carmen Inclan and her staff at Raymond James Bank. The experience was delightful! The whole team was very professional, friendly and well-organized. The process was very thorough, and the end result was very beneficial to me. I highly recommend Carmen and her staff.”

Christine B.

“I truly appreciate the service Carmen and her team provided throughout the lending process. I love people who pay attention to details and continually communicate about the status of open items during the process. Carmen's team excelled on all fronts. My financial advisor told me he was putting me in good hands, and he was right.”

Mark L.

“I would absolutely recommend Raymond James to anyone I know looking for a home loan. You, my financial advisor Karen and the rest of the RJ team are fantastic!!! My closing could not have gone more smoothly; the notary was gracious and professional. I could not have asked for better service and I am thrilled to have gotten a good rate for my mortgage. It will allow me to make some home improvements so I can enjoy my house a bit more, now that the children have moved out.”

Amy H. | Princeton, NJ

“Carmen, you worked very hard to expedite the process for us. Thank you so much. If I hadn’t retired, I would hire you away from Raymond James.”


Raymond James & Associates financial advisors receive compensation for Raymond James Bank mortgage referrals.

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