

James McCullough, Home Mortgage Solutions INC...
Mortgage Broker | Loan Officer NMLS# 1377694

I work in the mortgage industry helping clients navigate the home financing process from start to finish. I specialize in educating borrowers on loan options, guidelines, and financial strategies to help them qualify for financing—whether p... Show More
Location & Business Hours
Business Hours
Tues
8 AM to 8 PM
Wed
8 AM to 8 PM
Thu
8 AM to 8 PM(Open now)
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Reviews from Web
I have used James several times and each time his services have been top notch. He is quick to answer my questions and help with the process from start to finish. Highly recommend his services.
Reply from James McCullough, Home Mortgage Sol...
July 29th, 2026 12:17 PM
Thank you, Johanna, for your kind words and for continuing to trust me with your mortgage needs. I'm pleased to hear that my services have consistently met your expectations. Your recommendation means a lot to me.
James McCullough is more than a professional Mortgage Broker and Loan Officer. He partners with his customers and truly takes a vested interest in their success. He has helped me twice in the last four years. I have seen first hand how James...
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Reply from James McCullough, Home Mortgage Sol...
July 29th, 2026 12:16 PM
Chis, I appreciate your kind words and am grateful for the opportunity to work with you over the years. It's great to hear that you felt supported and valued during your mortgage process. I'm always here to help whenever you need it.
James was great to work with. Extremely helpful throughout the process. I highly recommend working with him.
Reply from James McCullough, Home Mortgage Sol...
July 27th, 2026 04:01 PM
Hi Brock, I'm grateful for your kind words and recommendation. It's wonderful to hear that you found my assistance helpful throughout the process. Thank you for choosing to work with me!
James always kept me in the loop on any issues. I always felt that he was on my side during the entire process.
Reply from Owner
July 27th, 2026 02:17 PM
I'm grateful for your kind words, James. It's important to me that you felt supported and informed throughout the process. If you ever need assistance again, please don't hesitate to reach out.
James really kept me at ease during the entire process. He helped me to keep going forward. He made me feel that he was there , and on my side.
Reply from James McCullough, Home Mortgage Sol...
July 24th, 2026 07:50 PM
James, I'm so glad to hear that you felt supported throughout the process. It's important to me that my clients feel at ease and confident every step of the way. Thank you for your kind words!
James is extremely detailed, straight forward, engaged, attentive and knowledgeable with a multitude of lending options. He is easy to converse with and great at providing information and suggested direction for your needs. He has facilitated...
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Reply from James McCullough, Home Mortgage Sol...
June 9th, 2026 12:03 PM
Jason, I'm truly grateful for your kind words and recommendation. It's wonderful to hear that my services have met your needs and those of your clients. Your feedback about our successful collaborations means a lot to me. Thank you for trusting...
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James was fantastic! He was readily available and answered all of our questions in a timely manner. I would recommend him for any mortgage needs.
Reply from James McCullough, Home Mortgage Sol...
June 8th, 2026 06:29 PM
Mark, I appreciate your kind words about my service. I'm glad I could assist with your mortgage needs and answer all your questions promptly. Thank you for your recommendation!
I very much appreciate all the help you provided my mom and I as we navigated thru this process! You were a pleasure to work with and I will definitely recommend you to anyone in need of your services!
Reply from James McCullough, Home Mortgage Sol...
May 31st, 2026 11:41 AM
Thank you, Tricia! I'm so pleased to hear that I could assist you and your mom through the process. Your kind words and recommendations mean a lot to me.
Easy to work with, patient and understanding!
Reply from James McCullough, Home Mortgage Sol...
May 29th, 2026 05:30 PM
I'm grateful for your kind words, Brave. It's good to know you found the experience easy and appreciated my patience and understanding.
I recommend James to anyone that will be purchasing a home. He was extremely helpful throughout the entire process and this being my first home purchase, went ABOVE AND BEYOND. He was very prompt on all of his responses and would help me anytime...
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Reply from James McCullough, Home Mortgage Sol...
May 23rd, 2026 03:34 PM
Kim, I truly appreciate your kind words and am so pleased to hear you had a positive experience with your first home purchase. It's great to know that my assistance was helpful throughout the process. Thank you for the recommendation!
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About
I work in the mortgage industry helping clients navigate the home financing process from start to finish. I specialize in educating borrowers on loan options, guidelines, and financial strategies to help them qualify for financing—whether purchasing a home, refinancing, or investing in real estate. My experience includes conventional, FHA, VA, DSCR, bank statement loans, and complex income scenarios such as self-employed borrowers and investment properties. My goal is to make the mortgage process clear, strategic, and as smooth as possible while helping clients structure their finances to qualify and build long-term wealth through real estate.
Products & Services
Mortgage Broker
FHA Home Loan
VA Home Loan
Conventional Home Loan
Home Renovation Loan
Construction Loan
Home Equity Loan
Down Payment Assistance
Mortgage Refinance
Reverse Mortgage
Mortgage Loan Application Assistance
Specialities
DSCR Loan
Bank Statement Loan
USDA
SBA loan
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Positions
- Home Mortgage Solutions Inc - Mortgage BrokerOct 1st, 2024 - Current
Memberships
- Spring Hills Baptist
- YMCA
- Elks
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2014
Licenses
- NMLS# 1377694
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Achievements
- Obtaining a NMLS to become a MLO
- Becoming a Broker
Hobbies
- Golf
- Running
- Reading
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Disclaimer
Copyright 2025 Home Mortgage Solutions Inc. All Rights Reserved. Equal Housing Lender.