My experience with James Kay and Michael Mosby at new America funding has been outstanding. What I thought would be a tedious task, turned out to be a smooth transaction from beginning to end. James kept me informed throughout the entire process and I had no problems getting in touch with him or Micheal whenever I needed to. All of the promises that James made were kept and my expectations were exceeded.
I got a highly competitive rate from the beginning and he even offered to beat any competitors quote. Needless to say no one was able to beat his offer. My closing was fast ( just under a month from the lock in date) and all of my conditions were met. I couldn't ask for more!
James Kay Micheal Mosby and New American Funding made a lasting impression with me and a positive difference in my families' life. I would highly recommend them to anyone looking to do a refi or funding for the purchase of a new home.
James was recommended by a family member. All expectations were far exceeded. As i went through the long process of the short sale James was there for my every need. James was very responsive and knowledgeable. It is very possible i would not have closed escrow if it was not for James. Thank you for all your hard work. Highly recommended.
We are very happy with the level of service we received from James Kay. He helped us from the pre-approval process all the way through closing of the loan. James was always very willing to explain what was happening and answer any questions during the transaction...even when those questions came his way through emails, texts, and phone calls throughout the day! He went out of his way to schedule evening phone calls with us since both by husband and I work and could not schedule call times during the day. He was always willing to work on various loan scenarios for us on any property we would come across when we were looking. We would highly recommend his services to anyone who is looking to purchase a home!
James is outstanding! We highly recommend him! My spouse and I had a unique situation with a future employment contract but without paystubs as first-time home buyers. James was aware of this situation and before knowing whether a loan would be doable with this situation, he sat with us for 3-4 hours at his office for a free consultation and thoroughly and patiently explained all our options given our finances. He pays very close attention to a client's specific goals and wishes in order to customize a loan package to these specific, personalized expectations. He is very analytic in his approach, and has a very nice software that takes the several intricate variables of the loan process into account. James also makes sure you understand all the options and provides a very honest analysis of what would be the best option for you. We left his consultation feeling like we learned a whole lot and had a very good idea which packages would work well for us. James followed through that same evening with our specific situation and unfortunately found out that we could not obtain a loan through his company given our paystub situation. Nonetheless, he referred us to another very experienced lender pertinent to our case, with whom we are now working and are happy with. We will absolutely consider James in our future transactions and would very highly recommend him!
I've used James multiple times for my lending needs and I wouldn't use anyone else. He is by far the most knowledgeable lender I've used and will explore all avenues to not only make sure you find the right loan product, but make sure that your loan funds on time with minimal headache. James makes himself very available throughout the loan process and is willing to take the time to make sure you know everything you're getting into. I couldn't recommend him more.
James and his team were responsive, up to date and walked us through the entire process. They are not just a website or a chop shop; they walked us through each detail of the process as it was happening. The closing process couldn't have gone smoother and put us in an effective position to assure the seller that we could close when we needed to in a seller's market. Thanks again!
James is a creative and proactive loan officer. While I was shopping around for loan products, other loan officers wanted me to tell them what I wanted or "call my broker to strategize on loan scenarios". While I had ideas about what I wanted, I was not familiar with the various mortgage products out there. James made improvements on my ideas and restructured some things for the most optimal outcome. He was able to think on his own. I really appreciated his ability to solve problems creatively, proactively and independently. I expect a loan officer to know the details of his products and advantages and disadvantages of the various products and an ability to create a customized, full solution for the client. James delivered on all aspects. His team is cordial, knowledgable and reliable. I would highly recommend him. Give him a challenge - you will not be disappointed.
As a first time home buyer James made the transition very easy. He is extremely knowledgeable and was able to answer all of my questions promptly and accurately. I highly recommend him and his team. Thanks James!
Very professional and organized. I worked with James to purchase my first home. As a first time buyer, he was very knowledgeable and kept me informed throughout of the process. I highly recommend working with James since he knows his stuff.
We have worked with James and his team on three purchases and a refi. Every time we've worked with him, the whole process has gone very smooth. He is very easy to get in touch with, whether via email or telephone. We would recommend James to anyone looking to buy or refinance a property.