Sara James

Sr Loan Officer

NMLS ID: 1322747

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

Sara James

1290 South Main Street Suite A

Chelsea, MI 48118-1419

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Based in Chelsea, Michigan, I joined the mortgage business in 1997. My mortgage experience is not limited to only mortgage sales. I have also worked the back trenches of the mortgage industry, to include, servicing, closing, processing, and underwriting experience.


Whether you are a first-time homebuyer, investor, or purchasing a second home, I am dedicated to taking the time to listen to your individual needs and goals so we may craft the best financing option for you. I pride myself on creative solutions and an extensive knowledge of mortgage products and underwriting guidelines. As a homeowner, I know first-hand that the mortgage process can sometimes be stressful. I find it very rewarding to be able to walk you through this process with you feeling confident and at ease!


In my free time I'm mom to Gavin and Alaina, who keep me on the go with their numerous sports and activities. I enjoy sunshine and spending time in my flower garden!

Mortgage Skills

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Low-to-Moderate Income Lending Program
  • Pre-Qualifications
  • Second Homes
  • USDA Rural Housing
  • VA Government Loans

Community Involvement

  • Chelsea Education Foundation, Volunteer trustee, Non-Profit Organization, Education Enrichment

Languages Spoken

  • English
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