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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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Always easy to reach out to when I had a question!
James gave me an initial plan to get my credit together he was honest and realistic about my situation but also optimistic as well. I returned to James about 5 months later after speaking with several other lenders and he was able to provide...
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1
James and his team made everything flow very easy for us on our end. Thanks everyone
At times, it was somehow dismissed from my mind how much paperwork was involved by the way James guided me through my loan process so efficiently. He responded promptly to my requests, relayed information and details to me very timely and also...
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James was amazing to work with. My Wife and I felt immediately comfortable with him. James is outstanding when it comes to the details and being completely transparent. I will recommend him to my friends and family.
James took extra time to explain the process, which at times can be somewhat confusing. He made it all very understandable and was patient and kind when we had questions. He was fabulous!
James and his team made the process of buying my first home extremely easy. They kept me updated throughout the entire process and were very responsive when I had any questions.
James was very patient to explain us the things that we did not know as first time home buyers. He give us the detailed breakdown of the costs and did not try to hide any fee like other companies does. We would highly recommend James to anyone...
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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.