“James was transparent and honest throughout the transaction. My loan process was seamless with no surprises. James was available with advice and feedback whenever I needed it.”

Pamela Lebay

“We recommend James to everyone looking for a lender. He went out of his way to make sure we got the best rates, and he has done that for everyone we know who has used him. His staff are incredibly attentive, great at follow-up, and very courteous. Seriously, you will not regret using James!”

Bailey H

“James Ricks and his staff were extremely responsive and very professional. They got me a great rate and closed me in 30 days. I have and will continue to refer others to James.”

Robert & Tami Miller

“James was exemplary in all his activities. He even came to our home for our convenience when necessary to ensure actions were completed in a timely manner. He delivered satisfactorily in all his commitments, explained in detail all actions we needed to take and kept us informed of every step in the process.”

Larson Family

“As a Realtor, and when it came to processing my personal loan needs, I came to James. I have had the opportunity of working with many lenders in my lifetime, both personally and professionally. Too often there are surprises, and it's been refreshing to work with James.”

Amy Townsend - Realtor & Client