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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
Sat
8 AM to 3 PM
Sun
8 AM to 3 PM
Mon
8 AM to 8 PM
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Reviews from Web
James was a pleasure to work with. As first time homebuyers, he made everything clear and understandable for us. He was always available for questions and was happy to work out various scenarios for us. He made us feel so secure in the process!...
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Everything, you guys handle everything well and were on top of things
James is an excellent communicator and very knowledgeable - he made the experience easy and less stressful
Good response time . Friendly and polite
James was available at all times to answer any questions we had. He gave the best advice. He was very detailed with information he gave us! He made the experience great!
James is straightforward and easy to understand when going over the complexities involved with refinancing.
He made the process very easy to understand and was always available to answer any question we had.
He was informative and quick to respond. He answered all my questions and anticipated any obstacles that may occur.
This is the 2nd mortgage with James and it was as flawless as the first. He was very helpful and patient with me.
I finally got a home
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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.