St. James is the Preferred Lender for discriminating Michigan Customers that want a continuing relationship with their Lender. Locally owned, we make and service our loans-you won`t be immediately sold off to an out-of-state servicing company. When rates fall, refinancing is a snap, since we already have necessary information in our files.

Our professional loan servicing department is here to make certain that your relationship with our company is a pleasant one over many years. Our very high level of repeat and customer referral business shows that our customers value this continuing relationship.

We are a direct Fannie Mae lender licensed to use Fannie Mae`s automated underwriting system.
This means Fast Approvals within minutes and little supporting paperwork.

• Low closing costs-compare!
• No application fee
• We specialize in No Point, No Cost loans
• No charge for escrow waivers
• No prepayment penalties
• Automated payment plan is available
• Rate locks at Customer`s option
• No cost Home Equity Loans
• Reverse Mortgages
• Full Range of Mortgage Programs
• Jumbo Loans to $1,000,000
• As little as 3% down payment

Apply online or contact us at 1-800-837-7005.