America's #1 Retail Mortgage Lender. Again.

Specialized Loan Programs for Your Unique Needs

No matter where you are in the process, we take pride in helping people get the home they want.

5.0★
Google Reviews
20+ Years
Experience
NMLS #626688
Licensed in AZ, CA

Specialized Loan Programs

Choose the program designed for your unique financial situation

🩺

Physician Loans

0% Down for Medical Professionals

Specialized financing designed exclusively for doctors, dentists, and medical professionals.

  • No PMI Required
  • Student Loan Flexibility
  • Close Before Residency Ends
  • Up to $1M+ Financing
Get Pre-Qualified
📊

DSCR Investment Loans

No Income Verification Required

Investment property loans that qualify based on rental income, not personal tax returns.

  • Qualify with Rental Income
  • Close in LLC or Corporation
  • No Tax Returns Required
  • Multiple Properties OK
Calculate DSCR
🏠

Home Equity Line of Credit

Access Your Home's Value

Flexible financing using your home equity for renovations, investments, or debt consolidation.

  • Up to 90% LTV Available
  • Interest-Only Payment Options
  • Draw Funds as Needed
  • Fast Approval Process
Check My Equity
🏡

Buy Now, Sell Later

Purchase Without Selling First

Buy your new home before selling your current one. Win in today's competitive market.

  • No Rush to Sell Current Home
  • Make Non-Contingent Offers
  • Move on Your Timeline
  • Maximize Your Sale Price
Learn How
5

Based on 85+ Google Reviews

See all reviews on Google

"James made the home buying process incredibly smooth. His expertise with physician loans was exactly what I needed as a new doctor. Highly recommended!"

SM
Sarah Martinez
2 months ago

"Outstanding service! James helped us secure a DSCR loan for our investment property. Professional, responsive, and knowledgeable."

MC
Michael Chen
1 month ago

"Best mortgage experience we've ever had. James is patient, explains everything clearly, and got us a great rate. Thank you!"

JW
Jennifer Williams
3 weeks ago

"Exceptional service from start to finish. James walked us through every step and made getting our mortgage stress-free. Would definitely recommend!"

DT
David Thompson
1 month ago

"James went above and beyond to help us get approved. His knowledge of the market and loan products is impressive. Thank you for everything!"

LR
Lisa Rodriguez
2 weeks ago

"Professional, knowledgeable, and incredibly helpful. James made what could have been a complicated process simple and straightforward."

RJ
Robert Johnson
3 months ago

"Working with James was a pleasure from start to finish. He answered all our questions and made sure we understood every step of the process."

AC
Amanda Cooper
1 month ago

"James helped us navigate a complex loan situation with ease. His attention to detail and commitment to getting us the best rate was outstanding."

MW
Marcus Washington
2 months ago

"Highly professional and responsive. James went the extra mile to ensure our closing went smoothly. Would absolutely work with him again!"

CL
Christine Lee
3 weeks ago

"As a first-time homebuyer, I was nervous about the process. James made everything easy to understand and was always available to help. Great experience!"

BM
Brandon Mitchell
1 month ago

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Google Reviews
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Why Choose James Igbinovia?

With over 20 years of mortgage experience, James specializes in unique loan programs that traditional lenders often overlook. His expertise in physician loans, DSCR financing, jumbo loans, and specialized programs sets him apart.

Expert Guidance

Specialized knowledge in complex loan programs

Fast Processing

Quick approvals and efficient closing timelines

Personalized Service

Dedicated loan officers who understand your needs