First of all, I wish I was able to give a six star rating because this guy deserves it. This was our first home buying experience and James was wonderful. He helped guide us through the entire process and explained things and let us know what steps to get ready for next. It was reassuring to know that I was working with someone who was always ready to answer any question I had regardless of the time of day or day of the week. He got us a great loan with a great rate. He will be who I work with on my future purchases. Highly recommend him to anyone.