James Pagan Email & Phone Number

Licensed: Texas and Florida Gain a Competitive Advantage when working with a Certified FICO Professional.I’m very passionate about my career as a Licensed Loan Officer and Certified Credit Expert because of the amazing opportunity I have to help my clients change their lives for the better. As a certified FICO Professional, I am uniquely qualified to offer life changing advice to my clients, a privilege I do not take lightly. I truly believe that when my clients succeed, I succeed. Call TODAY to find the home loan that best meets your individual needs and or to receive an credit analysis. Experience Includes: -1st Time Home Buyers Programs-Down Payment Assistance Programs-FHA Loans (Including Refinance, Cash-Out Refinance, Streamline Refinance, 203(k) Loans, Etc.)-VA Loans (Including IRRL, VA Home Loans, Etc.)-USDA (Including Rural Streamline Refinance, Etc.)-Conventional Loans-Reverse Mortgages-Rapid Rescoring-FICO Rescoring (Potential Credit Score Increase Within As Little As 72 Hours)-CreditXpert ReScore Analysis-Dispute Remark Removal (Same Day with One Phone Call) Special Programs: -Self-Employed Loans-Bank Statement Financing Loans-No Tax Records Required Loans-Jumbo Loans (95% Loan-To-Value, Up to 2.5 MM no MI)-Construction to Perm Loans-600+ FICO Score Loans-Foreign National Investor Financing Loans (No SSN/ITIN)-New Construction Home Loans-Hard Money Loans-Doctor Loans (Up to 97% Loan-To-Value, $850,000 Max)-Asset Qualification Loans (620 FICO, Up to $3 MM, No Tax Transcripts, No Income, No Debt-To-Income Ratio)-Commercial Real Estate Loans-Multi-Family Real Estate Loans-Medical Office Suite Real Estate Loans

Listed skills include Mortgage Lending, Mortgage Banking, Loans, Finance, and 43 others.