
Phone
- Cell: (509) 521-5491
About
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.
Featured

Veterans, you deserve a home.
Veteran Administration (VA) Loans offer competitive rates for military veterans, active and former service members, surviving spouses and retirees. Our experts understand VA loans and will support you in your homebuying journey.
Veterans Home Loans
Build your dream home.
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.
Home Construction Loans
Your home can help you achieve your dreams.
Have major expenses on the horizon, like a remodel or college tuition? As a homeowner you can borrow against the equity in your home while keeping your first mortgage intact. Ask us how a fixed-rate second mortgage can help.
Home Equity LoanServices
Mortgage Calculators
Mortgage Calculator
Enter your loan amount and interest rate to calculate your estimated monthly payment.
Rent vs. Buy a Home
The decision to buy a home is an important one. Our Rent vs. Buy Calculator helps you weigh your options.
15 vs. 30 Year Mortgage
Paying less interest vs. having a lower monthly payment. There’s much to consider when it comes to the length of your loan.
Mortgage Refinance
Interest rates are just one factor in determining if a refinance is right for you.





