Wow! I cannot give James high enough marks as my loan officer! I wish I could give him an 11 out of 10! Purchasing in the CO market can be very tricky and nerve wracking, as there are very few homes on the market for the amount of demand. So when you get one under contract, you want the deal to be smooth, since the seller has other options and people who want to buy. Unfortunately, I had started the process with another loan officer who really botched the loan, and it was clear that he was going to be unable to finish the loan in time. James came into the process very late and bent over backwards to complete the loan in under 8 days! Unheard of for a purchase. His knowledge, attention to detail, experience, and his ability to get things done quickly saved my purchase, and I was able to close before my contract date! I cannot recommend James highly enough! Please, if you want your purchase or refinance to get done above your expectations, make sure you have James Erminger as your loan officer!