James Saintilien

11820 Miramar Parkway S4-207, MIRAMAR FL 33025

Get to know me

James Saintilien is a licensed Mortgage Broker, Realtor, and Insurance Agent, and the founder of Grace Modern Mortgage and Grace Modern Financial. Known for his education-first approach, James helps clients navigate credit, financing, and real estate with clarity and strategy—empowering families and investors to make confident decisions The Grace Modern Way.

My experience

Licensed in:

Florida

Loan Products:

Conforming Loans

Conventional Loans

Fannie Mae

FHA

Fixed-Rate Mortgages

Freddie Mac

Non-Conforming Loans

Years of experience:

Languages spoken:

English

Haitian

What you can expect from me.

Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.

Who do you love helping most, and how do you make the home loan process easier for them?

Making the borrower a better informed consumer.

How do you support clients looking to improve their credit before applying?

I have a credit restoration background. The way our broker James got into the business is when a client he helped said she wasn't buying a home unless James sold it to her.

What should clients expect when working with you from start to finish?

Education, Education, Education. Our emphasis is teaching the client.

What partnerships or recommendations can you offer for real estate or home services?

Our broker James is also a Realtor. This allow him to look at every file from a different angle including being an extra layer of protection for the agents while in the capacity of a loan officer.

What are your typical fees or lender costs?

Based on the way we structure the files we you usually have the lowest APR vs our competition.