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James Saville

James Saville

Branch Manager/MLO
NMLS#: 265156

Phone: (831) 535-3954
Jsaville@conceptmortgage.com

Hello, welcome to my page.

I created a mortgage team for your real estate team!  I know you’re probably like, What in the world is this guy talking about….but hear me out. I started a mission last year during the biggest refi boom in history.  This mission started because I saw that lenders stopped almost all focus on taking care of their partners in real estate.  As an industry veteran of 17 years, I knew I could position myself to be ready the day refis go away and capture as much purchase business market share as possible and provide a 5-star experience for my agents and their buyers.

Our Loan Process

1: Pre-Approval

A loan pre-approval sets you up for a smooth home buying experience.

2: Shop

Start working with a real estate agent and viewing homes.

3: Loan Application

A few documents are needed to get a loan file through underwriting.

4: Loan Processing

Assemble all the necessary paperwork and details for the underwriter.

5: Underwriting

They closely evaluate all the documentation in the loan package.

6: Ste. Closing

Documents are drawn and sent to the title company for closing.

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