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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
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Business Hours
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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 wonderful to work with! He was incredibly helpful and always ready to jump on a call if we had any questions or concerns. We were so lucky to work with him!
Reply from James McCullough, Home Mortgage Sol...
March 30th, 2026 02:55 PM
I'm really pleased to hear about your positive experience, Rachel. Being available to address your questions and concerns is important to me, and I'm glad I could assist you both throughout the process. Thank you for choosing to work with me...
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My wife and I cannot thank James McCullough enough for his help! We had a few hurdles during our application, but James worked hard to find solutions and kept everything moving forward. James always responded to any questions or concerns that...
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Reply from James McCullough, Home Mortgage Sol...
March 30th, 2026 02:01 PM
Nathan, I am truly grateful for your kind words and am pleased to hear about your positive experience. Navigating the application process can sometimes present challenges, and I'm glad that I could steer you guys through successfully. Ensuring...
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James was a great help during my first home purchase. I had a lot of questions and concerns, he answered all questions and made sure I was able to understand everything. I will be recommending him in the future and look forward to hopefully...
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Reply from James McCullough, Home Mortgage Sol...
March 26th, 2026 05:26 PM
It's truly gratifying to hear about your positive experience with my assistance, Chase. I'm glad I could address your questions and concerns throughout your first home purchase. Your recommendation means a lot to me, and I'm looking forward...
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James was personable, kind, and answered every question that my husband and I had. His communication was great. We greatly appreciated his help!
Reply from James McCullough
March 24th, 2026 12:20 PM
It was my pleasure to assist you and your husband, Faith. I’m glad to hear that you found the communication effective and that all your questions were answered. If there’s anything else you need in the future, please don’t hesitate to reach...
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We were so lucky to find James! James communicated with us during each stage of the process. He answered all of our questions and was always willing to call us to explain in further detail. We would recommend James to anyone!
Reply from Owner
March 23rd, 2026 12:00 AM
Thank you very much for allowing me the opportunity to help you guys with your new home purchase.
If you are looking to buy a house James is the solution. This man really does everything he can to help you this entire process. He is so kind, considerate, and trustworthy. We were first time home buyers and he made sure we understood every...
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In our second home-buying endeavor with James, he has consistently demonstrated exceptional service. His dedication to prompt communication and timely task completion is noteworthy. We wholeheartedly recommend him.Best lender around!!
I had a fantastic experience working with James. From start to finish, he demonstrated professionalism, expertise, and a genuine commitment to helping me secure the best mortgage for my needs. The team was incredibly responsive, patiently answering...
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👍🏼👍🏼smooth and easy to work with
Reply from James Mccullough
March 20th, 2026 06:02 PM
Thank you for sharing your experience with us. We are happy to hear everything went smooth on the closing of your loan.
Explaining all of the steps and checking in regularly
Reply from James Mccullough
March 20th, 2026 06:02 PM
We are grateful and appreciate you taking the time to share your feedback!
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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.