James Kay

About James:

As a mortgage planning specialist, James has made a conscious decision to run his business differently.  In today's challenging mortgage market he realizes that the mortgage process can be both confusing and intimidating. Unlike traditional loan officers, who simply quote rates and fees with little or no advice or guidance, he takes a far more holistic approach to mortgage planning.  Besides getting his clients the best rates and lowest fees with his lowest cost guarantee, he goes the extra mile with an in-depth consultation to help his clients integrate their home loans into their overall long and short-term financial plans and assists in identifying opportunities that will lead to risk mitigation, reduced tax expenses and asset optimization.  

His comprehensive, face-to-face mortgage consultations allow him to fully explore his clients' down payment and monthly payment comfort zones, give credit score advice, and recommend the most appropriate mortgage products.  He has developed custom mortgage and cash flow analysis programs to clearly demonstrate how to structure a home loan for maximum efficacy.  Whether his clients are purchasing a home or refinancing their current loan, he will have the ability to discuss total loan costs, rent versus own comparisons, as well as principal reduction and equity accumulation models. 

His unique consultative approach to mortgage planning has paid significant dividends over the course of his career.  From 2009 through 2011 alone, while the industry as a whole contracted significantly due to tightening underwriting guidelines and government regulation, James successfully originated and funded 316 loan transactions with volume in excess of $130,000,000, earning him the designation of Platinum Producer for those three years. Most recently New American Funding awarded him the designation of Presidents Council for 2012 and 2013 fundings. His career fundings now exceed over a $1/4 Billion. He hopes to add you to his many success stories. Contact him today to learn more about his lowest cost guarantee. 

James@JamesKayLoans.com

NMLS #485551

Licensed by the California Department of Business Oversight under the Residential Mortgage Lending Act - License #4131117 NMLS #6606




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  • James Kay
  • (51)
  • Marina Del Rey, CA
  • (323) 620-4567

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