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Jim Francis

Jim Francis

Senior Loan Officer

40w310 Lafox Road, Suite C1, St Charles, IL 60175
Own what matters
Own what matters

About Me

Jim Francis is Senior Loan Officer at Guild Mortgage Cherry Creek. He has been in the real estate industry since the late 1980s, witnessing various market cycles, from booms to busts. Jim started as a real estate agent but discovered his true talent exists in finance. His passion is in making the numbers work for his customers. With changing underwriting guidelines, he ensures that every customer understands the mortgage process and feels comfortable with the end result. Jim values communication and education, which contribute to successful closings and long-term customer relationships. He's earned numerous 5-star reviews over the years and takes pride in referrals from satisfied customers. Outside of work, Jim enjoys riding motorcycles, fishing, road trips, and swimming in his pool. He's also a tech geek who loves gadgets. If you need mortgage advice or assistance, Jim is your go-to person!

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Testimonials

Testimonials
4.94 out of 5.0 stars
4.94
Max
May 27, 2023
Verified

Jim has helped me with three homes and has been the most professional, timely and helpful person I have had the pleasure of working with. He is always looking out for his clients best interest and works hard to give them great advice and service. Jim is the only loan officer I will work with and I will highly recommend him and his team to anyone I know looking to buy a home. Thanks again Jim you're the best!
Ashley
May 27, 2023
Verified

Jim was so helpful through the entire process. He was so informative during the stressful process of buying a home and we would never work with anyone else after using him.
Michelle
Apr 29, 2023
Verified

Jim was very clear in what was needed and tolerated my moments of insecurity with a great deal of grace. I truly appreciate his efficiency and responsiveness.
Donald
Mar 25, 2023
Verified

Jim's knowledge and his willingness to explain the process step by step, as well as his availability to share that knowledge whenever I needed to know something.
Eduardo
Mar 28, 2023
Verified

The whole process was really simple. Jim had a very good communication with us and answered all of our questions and concerns.
Vasanth
Jan 24, 2023
Verified

The guidance offered thru transparency, scenario planning, and overall advise was key to a great experience.

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Awards

awards

Causes I'm
passionate about

causes
NMLS ID #222505
I am authorized to do business in the state of Illinois. (www.nmlsconsumeraccess.org);