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James Jhangiani, (NMLS ID 485559)

James Jhangiani

Loan Advisor

NMLS ID: 485559

Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can personalize a home lending solution that’s tailor-fit to your needs.

Apply Now Contact me

135 S State College Boulevard, Suite 100

Brea, CA 92821

About James Jhangiani

I have been a mortgage advisor since 2003. My 17 years of expertise and knowledge of the loan process support me in serving and advising my clients. I recognize that each customer has individual mortgage needs, and utilize my knowledge base to offer loan products tailored to answer them.


Effective customer service is of great value to me, and I return phone calls promptly. Whether you require a jumbo, conventional, government, or a specialty product loan, I would feel honored to help you through your purchase or refinance goals.  


Born and raised in Hong Kong, and being of Indian descent, I speak English, Cantonese, Mandarin, Hindi, and Sindhi. For leisure, I enjoy going on walks with my wife and two children. We also enjoy traveling, and I have visited over 30 different countries. I recognize the value of finding a mortgage advisor who gives their clients peace of mind and confidence throughout the process.


Contact me today so we can get started on your mortgage journey.

Mortgage Specialization

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Pre-Qualifications
  • Professional Loans
  • Second Homes
  • VA Government Loans

Languages Spoken

  • Chinese
  • English
  • Mandarin
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?
James Jhangiani, (NMLS ID 485559)

James Jhangiani

Loan Advisor

NMLS ID: 485559

Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can personalize a home lending solution that’s tailor-fit to your needs.

Apply Now Contact me

135 S State College Boulevard, Suite 100

Brea, CA 92821

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Today's Rate

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Programs for qualified borrowers. All borrowers subject to credit approval, underwriting approval and lender terms and conditions. Programs subject to change without notice. Some restrictions may apply. Not a commitment to lend. A loan advisor will review and provide you the terms, conditions, disclosures, and additional details on the interest rates that apply to your individual situation.

 

1Rate as of 12/3/2020 10:15 AM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 360 monthly payments in the amount of $958. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

2Rate as of 12/3/2020 10:15 AM EST. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $1,552. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

3Rate as of  12/3/2020 10:15 AM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $${product.loanAmount} for the purchase of a single-family, primary residence with ${product.ltv}% loan-to-value (LTV) or % down payment, minimum borrower credit score of ${product.creditRating}, and estimated points of ${product.points}% of the loan amount and origination fee of ${product.closingCosts} plus ${product.fundingFee}% FHA funding fee with 360 payments in the amount of $${product.monthlyPayment}. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums and other credit factors. Program terms available may vary based on the state and county in which the financed property is located.  The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.