Why Work with James?
James and his team will educate you on all of your financial options and help you make the right decisions
Know your options, and get educated on all the true costs and benefits
Once we have a plan in place, our team can close in a matter of weeks
We will help you make financing decisions with an eye towards larger financial goals
Sign all paperwork with your phone. Use our mobile app to create custom on-demand pre-approval letters!
How Does the mortgage process work?
Want to know what happens behind the scenes when you get a mortgage from a lender? Learn the language of real estate financing and what to expect with this helpful infographic.View Infographic
Our Borrow Smart Philosophy
Mortgages are so much more than simple rates and fees. With the borrowSMART process, we account for the rate, the fees, the tax benefits, the principal reductions, the leveraged real estate asset value over time, and the opportunity cost of the money used. Find out if you could be SAVING today!
4 Blind Spots to Financial SecurityOur roots are in personal finance coaching. Through thousands of hours of observation, we have identified common financial problems that everyone seems to have. The 4 blind spots is an easy way to categorize and work towards SOLVING these problems for families.
Lack of a Plan
Less than a third of us have ever made any kind of meaningful financial plan.
Storing Money in Inefficient Places
As money flows into the household, families face difficult decisions on how to prioritize where their hard earned money should go.
Lack of Fiscal Literacy
Many consumers don’t learn the importance of saving, investing and budgeting while they’re growing up.
Lack of a Wealth Team
Many consumers don’t have support in making money decisions throughout the year.
Mortgage Rate Calculator
Mortgage calculators are horrible! You can hurt yourself if you don’t use it correctly.
Get the scoop here: