Residential Loan Officer James Pham has been a part of the banking industry since 2017, and he made the move to the mortgage side of the business in 2023. He enjoys helping people achieve their dreams of homeownership—and he values knowing that owning a home helps families build generational wealth and helps communities grow stronger. First-time homebuyers are some of his favorite clients, and he appreciates being able to share his knowledge and answer questions. A man of many hobbies, James especially enjoys graphic design and photography, including real estate photography.
Ready to learn more about your mortgage options? Give James a call.
Building or renovating your home is easier than ever with our All-in-One Custom Construction Loan. Short term construction, renovation costs and permanent financing are rolled into one loan with one set of closing costs.
Custom Construction LoansOur lot loan helps you buy the perfect spot for your future home. We can help you finance improved or unimproved land so you can build the home you want when the timing is right.
Lot LoansBecoming a well-informed buyer is important in the lending process. Our residential loan officers are here to help educate you on issues relating to homeownership through seminars and workshops.
Homebuyer EducationEnter your loan amount and interest rate to calculate your estimated monthly payment.
The decision to buy a home is an important one. Our Rent vs. Buy Calculator helps you weigh your options.
Paying less interest vs. having a lower monthly payment. There’s much to consider when it comes to the length of your loan.
Interest rates are just one factor in determining if a refinance is right for you.