I have acquired a vast 25 Years of experience as a Mortgage Loan Consultant.
My broad knowledge and expertise in all facets of the mortgage industry will make the lending experience as effortless as possible. I personally guarantee to oversee the entire loan transaction, from start to finish, and keep my clients informed throughout the entire process. I provide home buyers and home owners with the most competitive financial packages individually designed to meet their specific needs
I have an exceptional processing team. Our goal is to all work together to make sure your experience and transaction is easy, timely, and convenient by providing all the attention and service that you deserve. I understand your home is the biggest investment you will ever make and I take that very seriously. Unlike a lot of “retail” banks, I have access to dozens of wholesale “lenders” which benefits you by offering more products with the most competitive rates and terms in the industry that are tailor made for your individual financial situation. My team monitors the market daily and our technologies allow us to find the most competitive terms on any given day.
THE MANY SERVICES & LOANS PROVIDED
Free Consultation on Financial Options and Solutions that are the Best Fit for your needs
Credit Debt Assessment and Clearing up Delinquencies to Heighten your Credit Scores , to Ultimately Provide you the Best Possible Rates for a New Loan
Residential Refinance- FHA Streamline/ VA IRRRLS or Streamlines, VA EEM / Harp/ Jumbo Refi’s/ Cash out for any purpose (Debt, Student loans/ Home improvement)
New Home Purchase- First time homebuyers/ VA/ FHA/ Conventional/ Jumbo/ 203k Improvement specialist / Construction Loans/ Down payment assistance programs/ State specific Bond products/ Home possible
New Construction Loans -203K construction and rehab / Veteran EEM (energy efficient mortgage)
Self Employed: Bank statements Only/ 1 Year Taxes / Non QM loans / Collateral / Up to 20MM
Non Documented wage earner w/ ITIN #
Good Neighbor next door: Buy a home at 50% discount if you are a Public service worker/ teacher/ Firefighter/ Police officer
FHA down payment assistance: 1.5% down only. 2% assistance not required to be paid back. Most people qualify for this.
VA Renovation loan: New product & loan amount VA purchase or Refinances. UP to 50K cash out. Can be used for cosmetic upgrades such as bathroom upgrades, kitchen remodel, flooring, cabinets etc.... Includes luxury items now, such as pools and spa's. Perfect for that fixer upper purchase. Loan can close before work is completed.
Veterans: Your VA entitlement can get you into a house with 0 down. Zero money out of pocket. *Certain restrictions apply.
I look forward to establishing a financial partnership with reliable and trustworthy service to take care of your financial needs. Please, if you have any questions or need any assistance contact me anytime at (949) 306-3720 or E-mail to jsoz@aol.com
James Soshnik NMLS#345733/ DRE #01169927, https://www.dre.ca.gov/
Streamline Mortgage Corporation NMLS#1645153, https://www.nmlsconsumeraccess.org/
Senior Loan Consultant
Servicing: AK, CA, CO, GA, HI, ID, MO, NV, OR, TX, VA, WA
Laguna Beach, CA 92651
