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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
Wed
8 AM to 8 PM
Thu
8 AM to 8 PM
Fri
8 AM to 8 PM
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Reviews from Web
James was very patient with me and was always available when I needed him, which was often. James is very quick to respond and he’s very professional. I loved working with this group and if I ever decide to refinance I’m going to call James...
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I’ve known James for over 20 years, he will bend over backwards for people. Highly recommend
I’ve known James for over 20 years, he will bend over backwards for people. Highly recommend
Reply from James Mccullough
March 20th, 2026 06:02 PM
Much appreciated Thank you Matt!
James was very easy to communicate with and made the whole home buying process as easy as it could be. He was 100% transparent with what we needed to do to obtain mortgage approval and I always felt comfortable with his recommendations. I would...
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James made the loan process so easy and stress free. He was very quick and helpful. James and his team had everything done ahead of schedule.
James was very supportive and helpful. He responded quickly to all my questions and helped put my mind at ease. Overall, I had a very positive experience!
Always available to help and answer questions, no matter the time of day. Very knowledgeable.
James answered all of my questions and was timely with his responses. He made the process simple and clear. Great job!
From the beginning to the end James kept in contact with me, and explained everything that was going on. Very friendly and pleasant to work with.
I am a first time homebuyer and James took the time to explain to me my financial obligations, terminology, and the loan process. James helped my fiancé and I find the best loan suited for our current financial situation. He made this process...
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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
Gallery
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.