I believe in a straightforward philosophy: "Do what's best for the client every single time." This commitment drives my consultative approach to mortgage lending, where every client receives an in-depth consultation to ensure their loan is tailored to their unique goals and dreams.

"It's more than a loan—it's your dream. And you're more than a client—you’re a friend."

This mindset shapes my dedication to building genuine relationships and delivering a seamless experience that honors each client’s aspirations.

James Ricks

James married his wife, Pamela, in 1990, and they’ve built a wonderful life together. A graduate of Lamar University with a Bachelor’s in Marketing, James has strong family values rooted in his Christian faith. He and Pamela have three children—Hunter, Tori, and Gunnar—and enjoy life on a peaceful piece of land in Montgomery, Texas.

James is passionate about faith, family, and making the most of every moment. When he’s not working, you’ll often find him spending time with family, hosting a crawfish boil, out in nature, or enjoying time in the great outdoors. Whether it’s dove hunting with his chocolate lab at a dove field or a hunting adventure in a foreign country, fishing in a nearby bay, or deep-sea fishing in Mexico, James is always embracing life to the fullest.

His days are filled with connecting with family, leading Bible studies, assisting clients, or teaching local real estate agents. James values meaningful relationships, loves a good laugh, and truly enjoys bringing a spirit of warmth and joy to those around him.

"Since 2000, James has dedicated himself to helping thousands of families achieve the dream of homeownership. With nearly his entire career spent leading his own company, James takes immense pride in providing attentive, personalized care to every client. His commitment to exceptional service is reflected in the lasting relationships he's built along the way.

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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. His wife Pamela is AMAZING and I cannot thank her enough for all of her help. I 100% feel assured that James and his group went out of their way to make sure I received the best loan and closing experience they could make possible.

Pamela Labay

/  Satisfied client  /