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Apply Now
Step 1: Watch this Video
States I Can Assist You In:
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Alabama (AL)
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Alaska (AK)
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Arizona (AZ)
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California (CA)
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Colorado (CO)
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Connecticut (CT)
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Delaware (DE)
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District of Columbia (DC)
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Florida (FL)
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Georgia (GA)
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Hawaii (HI)
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Idaho (ID)
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Illinois (IL)
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Maryland (MD)
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Michigan (MI)
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Minnesota (MN)
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Nebraska (NE)
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Nevada (NV)
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New Jersey (NJ)
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North Carolina (NC)
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Ohio (OH)
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Oklahoma (OK)
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Oregon (OR)
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Pennsylvania (PA)
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Rhode Island (RI)
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South Carolina (SC)
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Tennessee (TN)
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Texas (TX)*
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Utah (UT)
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Virginia (VA)
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Washington (WA)
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Wisconsin (WI)​
*I am officially licensed in Texas (TX) as a Mortgage Loan Officer, however, with the help of my brokerage, I can help out in all of the above states!
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Contact Me:
Email: davidjamesinvestllc@gmail.com
Phone: (888) 550-2928
Step 2: Choose Your Path:
Guided
Experienced
Below is a link to a video playlist where I walk you through the entire application process to help make your experience as smooth as possible!
Important Items & Information to Prepare BEFORE Our Meeting:
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You should get familiar with your current credit report and credit scores (FICO scores). To review your credit report for free (once per year), use annualcreditreport.com and make sure everything looks accurate (otherwise, dispute what doesn’t to get inaccuracies removed)! To see your credit scores for free, you can use creditkarma.com (the accuracy of the scores might be off here) or, for money (a fee), myfico.com (100% accuracy since this is FICO's official site).
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Applying for a mortgage WILL involve a hard credit pull early on, so I HIGHLY recommend, 5 business days before you apply, to opt out of and reduce 'trigger leads' (advertising that will target those who just pulled their credit because the 3 credit bureaus sell our info to third parties to make a profit) by going to optoutprescreen.com. (I suggest 5 business days beforehand to opt out since it takes about 5 business days for your request to process.)
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2 years of work history (W2s, K1s, 1099s, etc.)
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If you have any gaps in your work history (unemployment), be ready to explain what happened (major kudos if you write this up in a letter ahead of time).
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All information about your Assets and Liabilities (Debts)
Assets = Stuff you own of value (bank/investing accounts, real estate, cash, retirement accounts, stocks, bonds, etc.)​
Liabilities = Stuff you owe money on (debts) at the moment (credit cards, loans, student loans, mortgages, etc.)
*See below for items you should prepare and then continue to step 3 to schedule a meeting with me to review your loan options!