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James Perrine, (NMLS ID 1049910)

James Perrine

Sales Mgr - Producing NMLS ID: 1049910

12470 Hesperia Road

Victorville, CA 92395

If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.

Buying a house means more than finding a place to live. It’s one of the biggest financial decisions you’ll ever make—but you don’t have to go at it alone.

 

As your home loan advisor, I am genuinely interested in your financial success. I want to listen to your story and understand your financial goals. From there, I can build a personalized mortgage solution for your unique needs. Flagstar Bank has more than 600 different home loans available, so we are certain to have the right mortgage for nearly every situation.

 

With over 30 years of experience in home lending, Flagstar knows what it takes to get you to closing as quickly and as smoothly as possible. I will keep you informed every step of the way to give you peace of mind about your new home.

 

Whether you are moving around the corner or across the country, you can rely on me as a trusted resource. I have a deep understanding of the local housing market, and I can originate loans in all 50 states. After you buy your home, contact me when it’s time to refinance, remodel, or buy a second home. And if you’re an investor, I can build a competitive mortgage to finance your investment properties.

 

Contact me today to get started.

Mortgage Specialization

  • Construction Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Low-to-Moderate Income Lending Program
  • Professional Loans
  • VA Government Loans

Client Testimonials

Kenneth D.
James is by far the most efficient and informative agent I have ever had the pleasure of working with.
Steven C.
James made the process straightforward. I purchased my home and refinanced my home through him. He was able to answer all of my questions on both matters. I don't plan on calling anybody else for anything related to real estate.
Arthur A.
James and Zandy were straightforward to work with. Thank you
Dylan E.
Thank you, James, for giving us the best customer service and really being there for us through our entire process. It's so nice to have someone who was actually there for us. It means a lot to be able to trust someone in making financial decisions fully.
Coleman A.
Very courteous and informative…anytime I asked anything, he knew where in the process my loan was…he knew and told me. Very efficient.
Rachel M.
James has been a great person to work with; he's very responsive to my concerns and has things resolved immediately. I definitely recommend him to friends and family when it comes to home loan inquiries. Thanks again, James, for all your help!
Masoumeh J.
James was great, and He explained everything and answered all of our questions.
Nicole O.
James was always responsive and available to answer our questions during the loan process.
Mutie A.
James was a great help. Professional loan office; whatever he said, he did, and he did update me on every second of the loan. His staff was great as well.

What to Expect

We get it: Purchasing a home or refinancing your mortgage is a big deal, and having a relationship with the right lender is essential. Get started by connecting with an experienced and trusted Flagstar home loan advisor. Starting on Day 1, we'll work with you to find the type of loan that suits your needs, and guide you through the lending process to make it as smooth and stress-free as possible.

Please select your lending process

Pre-qualify & Gather Financials

Submit your financial information and we'll give you a personalized estimate for your loan.

Pre-approval

Once you're pre-approved, we'll coordinate with the escrow or title company

Loan Review

Once your offer is accepted, we'll pass along your information to our underwriters to lock your mortgage interest rate.

Loan Approval

Once our underwriters approve your loan, we'll get you ready for closing.

Close & Receive your funds

We’ll close your loan and wire your funds into escrow so you can complete your home purchase.

Loan Application

Complete a loan application online, and submit the necessary financial documents.

Appraisal

We'll conduct an appraisal of your property to determine its current value.

Underwriting Approval

Once our underwriters approve your loan, we'll get you ready for closing.

Loan Signing & Funding

We'll close your loan and wire your funds into escrow so you can access your funds.

Request a contact

Fill out the information below and I'll reach out to you shortly.

James Perrine

Sales Mgr - Producing NMLS ID: 1049910

12470 Hesperia Road

Victorville, CA 92395

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Let's do the math (the easy way).

Use our home loan calculators to break down the costs of buying a new home.  How does a higher or lower down payment affect your monthly payment? Should you get a fixed or adjustable rate mortgage? Play around with different scenarios so you can make informed decisions about your home loan.

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Mortgage Affordability Calculator

Before you start shopping, learn how much house you can afford. 

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Monthly Mortgage Payment Calculator

Discover what makes up your payment and what fits into your budget.

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Mortgage Down Payment Calculator

Find out how different down payments affect the cost of your home loan.

So, how does getting a mortgage work?

Buying a home is a big deal, and there are many ways to finance it. Understanding the basics of a home loan will get things off to a great start. Learn about the steps in the process, the paperwork you'll need, and what makes up your monthly payment.

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The mortgage process

You've already found the right lender. Now it's time to learn the steps from getting prequalified to closing on your new home.

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Mortgage FAQs

What is escrow? How much do you need for a down payment? Find the answers to all your mortgage questions here. 

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6 Questions to Ask Your Home Loan Advisor

Before you close on your new home, we'll work together to answer these essential questions.