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Hello,
I'm James Gardner
Broker/Owner

NMLS#: 41264

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Hello, welcome to my page.

James has over 20 years experience in the mortgage industry. A former regional manager at a large retail mortgage lender James saw the value in being able to offer lower costs, cheaper rates, and a streamlined process. His philosophy is that mortgage lending is a relational experience, and we should all understand how our clients feel and make it our mission to alleviate as much stress as possible during the transaction.

This translates into friendships naturally and it is just the right thing to do and this is what James truly believes in. His knowledge allows him to navigate through difficult loans and breeze through the easy ones. In either case you are in good hands with someone who knows what he is doing and cares about you and your situation and makes sure that it is felt.

All-in-One Solution

Our Loan Process...

PRE-APPROVAL

A loan pre-approval sets you up for a smooth home buying experience.

SHOP

Start working with a real estate agent and viewing homes.

LOAN APPLICATION

A few documents are needed to get a loan file through underwriting.

LOAN PROCESSING

Assemble all the necessary paperwork and details for the underwriter.

UNDERWRITING

They closely evaluate all the documentation in the loan package.

CLOSING

Documents are drawn and sent to the title company for closing.

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