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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

With over 25 years of experience in the real estate industry, Matt James is dedicated to helping you achieve your homeownership dreams. Matt's journey began with 12 years in real estate brokerage, where he successfully guided investors, builders, and developers. He then led two of Virginia’s top real estate brokerages for six years, honing his leadership skills and industry knowledge.


Seeking new challenges, Matt spent four years consulting for mortgage banks, gaining a comprehensive understanding of the mortgage landscape. Now, five years into his mortgage banking career, Matt leverages his extensive expertise to empower borrowers and collaborate with real estate agents.


Matt's passion for homeownership, investment, and his entrepreneurial spirit make him a valuable partner for clients and industry professionals alike. Whether you're a first-time homebuyer, a seasoned investor, or a real estate agent looking for a reliable mortgage partner, Matt is here to provide personalized solutions and exceptional service.

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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%.
Jumbo

Jumbo

Jumbo loans offer larger loan amounts than most other loan programs. These loans are a great option if you’re looking to buy a more expensive home and have a great credit score and strong financial situation.
VA

VA

If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

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

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Testimonials

Testimonials
4.94 out of 5.0 stars
4.94
5.0
David
Feb 10, 2025
Durham, NC
Verified

Matt and his team did a great job. They were always on call and available when we needed anything, but otherwise worked in the background and let us know when it was the time to take next steps with documents.
Sheila
Jan 13, 2025
Amelia Courthouse, VA
Verified

Matt is undoubtedly one of the most responsive and helpful lenders I've worked with, not to mention energetic and positive. Every client has a positive experience. In addition, he constantly helps to guide me through scenarios so I'm well informed and able to assist my clients in the best manner.
Davon B
Jan 10, 2025
Verified

One of if not the best lender I've worked with, every Was smooth, fast , and clear. Couldn't recommend enough!
Katherine E
Jun 14, 2023
Richmond, VA
Verified

Matt made the mortgage process incredibly easy, and explained every step along the way. His knowledge of the market and how to position my mortgage were crucial during the house buying process. Thank you, Matt!
Donna J
Jun 01, 2023
Lenoir, NC
Verified

Matt and his team were easy to reach, no matter what I needed help
Keith D
May 18, 2023
Fayetteville, NC
Verified

Matt was open and forthcoming throughout the process and responsive when we had questions so that we got the answers required or he ran the answers down to clarify.

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #1938629
I am authorized to do business in the states of Georgia, Montana, North Carolina and Virginia. Branch NMLS ID 2470466; (www.nmlsconsumeraccess.org/);