James Espana - US Bank Home Mortgage

Lets start with the basics: The building blocks of your mortgage are as easy as A B C: Assets, Budget, and Credit. Once you know the essentials, youll be a wiser borrower.I teach and advise before I customize your home loan solution. Well share a confidential, no-cost strategy session to determine your financial goals, and if you are buying a home, the price range you can afford. After more than 20 years as top loan originator in California, I have learned how to help a variety of borrowers with different income sources, matching the correct loan to their unique circumstances. Im ready to do the same for you.My years of experience and deep knowledge of loan programs allow me to think outside the box. If you have a challenging situation, please bring it to me. Dont let self-employment, divorce, or credit challenges keep you from becoming a homeowner. I have financing programs that give you more qualifying options, including bank statement, asset depletion and investor cash flow loans.When you choose my team and I to handle your home financing, youll find we communicate clearly, answer your questions quickly, and work together to close your loan as soon as possible. Its all part of the superior mortgage experience we provide for every client. We understand this is probably the biggest financial commitment of your life, so we will treat you with respect and honor you deserve. NMLS: 256864, Branch NMLS: 2029980

At Finance of America Mortgage, we dont see customers as numbers and paperwork. For us, doing business is about making human connections. We listen to the people we serve. We find the right mortgage solution for their specific needs. And we help them achieve their dreams of homeownership. Youll see it in everything we do.

We know that each customer has specific needs, so here Shining Star Funding Corp, we strive to meet those specific needs with quality service and individual attention. We pride ourselves in giving you the mortgage information, loan options and convenient assistance you're looking for. With a variety of loan programs and an established network of lenders behind us, we will find the loan that best suits your needs, at a very competitive rate. We offer conforming, non-conforming and government loan programs. Let Shining Star Funding Corp guide you through the home buying or refinancing process, and provide you with the best service available.