James H Ingman
Get to know James
I make home loans make sense. With years in the mortgage world, I help buyers breeze through what most people dread. Expect clear answers, smart strategy, and maybe a few bad jokes along the way—because getting a mortgage shouldn’t feel like doing taxes. I guide you through the process, explain every step like a human rather than a banker, and keep things light while getting it done right. Think of me as your mortgage guy and your stress relief.
Why choose James?
Licensed in:
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Brokerage info
Questions? James has answers.
We prompted questions to James so you can learn more about their skills, preferences, and availability.
First time homebuyers, hands down. There are plenty of examples of people having horrible experiences, so being able to show them the other end of that spectrum is extremely rewarding.
This is the #1 most important thing you can do as a prospective homeowner. There is a lot of bad advice out there, so yourself a favor and speak to an expert on the front end.
My commission (and my company's) is paid for by the bank, not the client. Most loan programs have an underwriting fee of $1,000-$1,250, and a credit report fee (paid at closing) of ~$130.
Every client has different needs, so this varies. Virtual meetings with screen sharing, facetime calls, or even mailing paper documents back and forth if a client is technology-challenged.
Self-employed clients need their personal and business tax returns, while salaried/hourly employees need paystubs and W2's. Every client needs to have 2 months of bank statements.