James has been helping his clients, friends, and the real estate community get the right mortgage, at the right price, on time, and without stress since 1983. His goal in every transaction is to find out what is important to the client, and then strive to exceed the their expectations. He says “ For me to have continued success I need to earn the referrals and future business of my clients and referral partners. In order to have the right to ask for referrals I must put their needs first and deliver an exceptional customer service experience to my clients. This is my philosophy and I strive every day to live by it.”