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Profile picture for James Kay

James Kay

Lender

Senior Loan Consultant (10 years experience)

Specialties:
Purchase Loan,
Refinancing,
Home Equity,
Mortgage Planning

Add personality to your profile! Tell the community about yourself, your home, and your profession.

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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About James Kay: <strong>About James:</strong> <p>As a mortgage planning specialist, James has made a conscious decision to run his business differently.&nbsp; 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.&nbsp; 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.&nbsp;&nbsp;</p> <p>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.&nbsp; He has developed custom mortgage and cash flow analysis programs to clearly demonstrate how to structure a home loan for maximum efficacy.&nbsp; 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.&nbsp;</p> <p>His unique consultative approach to mortgage planning has paid significant dividends over the course of his career.&nbsp; 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&nbsp;fundings. His career fundings now exceed over a $1/4 Billion.&nbsp;He hopes to add you to his many success stories.&nbsp;Contact him today to learn more about&nbsp;his lowest cost guarantee.&nbsp; <br/><br/><a rel="nofollow" href="mailto:James@JamesKayLoans.com">James@JamesKayLoans.com</a></p> <p>NMLS #485551</p> <p> </p> <p><em>Licensed by the California Department of Business Oversight under the Residential Mortgage Lending Act - License #4131117 </em><strong><em>NMLS #6606</em></strong></p> <p> </p> <br/> <br/> <br/> <p>&middot;</p>

Ratings & Reviews

My wife and I recommend James Kay to anyone without reservation. He was everything you would want out of a lender. When you are a first-time buyer such as we were, you need someone who is patient, explains clearly, and doesn't seemed rushed or bothered answering basic questions. He was available and always happy to discuss any steps of the process. He even insisted having our initial meeting in person, which was not the case with other lenders we were considering. We trusted him right away and are very pleased with the deal we ultimately got. He beat all the competition! Thanks, James!

  

03/29/2015 - SirJeremyDa
Closed purchase loan. Hollywood, Los Angeles, CA

My wife and I recommend James Kay to anyone without reservation. He was everything you would want out of a lender. When you are a first-time buyer such as we were, you need someone who is patient, explains clearly, and doesn't seemed rushed or bothered answering basic questions. He was available and always happy to discuss any steps of the process. He even insisted having our initial meeting in person, which was not the case with other lenders we were considering. We trusted him right away and are very pleased with the deal we ultimately got. He beat all the competition! Thanks, James!  More Less 

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03/04/2015 - lindyh1
Closed refinance loan. Buena Park, CA

James were very helpful and worked the process immediately to complete a refinance with multiple loan payoffs. Process went quickly and with minimal issues.

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02/25/2015 - george90245
Closed purchase loan. El Segundo, CA

I am a Veteran and I wanted to use my VA benefit to buy a home. Other lenders thought it was too difficult or they just never got back to me. I told James Kay what we wanted to do and he had a VA approval back to us ASAP so we could make a deal on a property that had just listed and was a great opportunity. We got the keys today and we are living the American Dream.  More Less 

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