James Pagan

Loan Officer | NMLS ID 1377706


Get Mortgage Rates for today!

Several factors can affect your ability to get low mortgage rates. Credit score, down payment, the home you want to buy or refinance, the length of the loan, how much you borrow, and even when and where you're borrowing can all have an impact on what sort of home loan interest rates you can obtain.

Finding the lowest mortgage interest rates is only one factor to be considered when shopping for a home loan. Other considerations, such as closing costs and the type of mortgage, will affect your overall costs as well.

Fill out the below Mortgage Rate & Cost Request form to the best of your knowledge and I will get back to you as quickly as possible with an estimated scenario.

 

 

BRANCH ADDRESS

3155 S. Price Road, Suite 105, Chandler, AZ 85248

 

CONTACT

Office Number

817-658-8387

Mobile

972-333-4991

Email

JPagan@Genevafi.com

Licensed in: Texas (TX)

About James Pagan

NMLS ID 1377706

James has had firsthand experience with Credit Reports since 1984 but never really took it to the next level until around 2004. In 2004 he began to have more concentrated efforts to credit and credit reporting because of his involvement in loan origination. James received an FCRA Certification from the Consumer Data Industry Association (CDIA) in 2008. In 2011, he took the FICO National Certification program: The Certified FICO® Professional (FICO Pro). This program is designed to recognize individuals who have a strong understanding of FICO® scores and how the FICO® score impacts both the lender and the consumer.

James has invested thousands in continuing education and has also received numerous certifications from attending Credit Boot camps throughout the nation since late 2008; he’s been considered a Lifer of Boot Camp attendances. In 2011 once again, James took it to the highest next level with recognized industry expert, John Ulzheimer, by attending ALL of his private inner circle Credit Expert Witnesses Certification programs and by attending ALL of his Credit Expert Summit seminars and forever keeping in line with his belief of continuing education, he continues to attend other Credit Boot camps/ seminars, and Credit-Cons, throughout the nation. 

How does James manage to deliver every time? 

Candor and Expert Knowledge is how James operates. Consistently delivering as scheduled; he has managed to build a solid network of referral and repeat business over the years. As a Certified FICO Professional and Licensed Loan Originator, James’ primary focus is not only to provide expert credit strategies but also direction for clients short term and long terms goals. He handles the initial consultation and strategy and manages the loan to a successful close. James’ greatest joy in the business is talking to his clients and getting to know them, their friends and family, year after year, and watching how they prosper and flourish by implementing sound financial strategies. He cares and is here to help clients during the loan transaction and long after closing. As their needs and goals change, he is here to help.

“I’m very passionate about credit and mortgages, and I appreciate time and money, so I promise not to waste any of yours.” 

Feel free to contact me anytime for a free credit report evaluation and or loan consultation before applying for a mortgage loan. Get the FACTS! I look forward to helping you, your family and friends.

MORTGAGE LOAN PROGRAMS & RESOURCES

PURCHASE

REFINANCE

CONVENTIONAL LOANS

JUMBO LOANS

FHA LOANS

VA LOANS

USDA RURAL LOANS

FIRST-TIME HOMEBUYER PROGRAMS

DOWN PAYMENT ASSISTANCE PROGRAMS

HOME EQUITY LINE OF CREDIT (HELOC)

ADJUSTABLE-RATE MORTGAGE

RENOVATION LOANS

REVERSE MORTGAGE

MORTGAGE PAYMENT CALCULATOR

HOMEBUYERS GUIDE

MORTGAGE FREQUENTLY ASKED QUESTION (FAQ)


DIY, DESIGN & HOME FINANCE BLOG


What My Clients Say

“Best experience ever!”

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“Smooth and stress-free process!”

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“We LOVE our new home and can’t thank Lisa enough!”

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