Best mortgage experience I have had. Top notch, does exactly what they say they will do, no surprises on closing day. No cost actually means no cost. Super fast turn around, took me only two weeks for complete transaction. Highly recommended. Thanks Tom and St. James.

We've been with St. James for more than 20 years and we'll never use anyone else. They make the process simple, transparent, understandable and affordable. Highly professional. Most importantly, they manage the customer relationship as your advocate -- which is so rare today.