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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

For over 25 years, Matt James has been a key figure in real estate. He spent 12 years in brokerage and investment, serving investors, builders, and developers. He then led 2 of Virginia’s top real estate brokerages for 6 years. Seeking new challenges, Matt consulted for mortgage banks for 4 years, gaining a comprehensive industry view.

Now, 5 years into his mortgage banking role, Matt uses his expertise to empower borrowers and shape industry teams. His passion for homeownership, investing, and his entrepreneurial spirit offer unique value to clients, partners, and teams.

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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.

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Testimonials

Testimonials
4.94 out of 5.0 stars
4.93
5.0
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.
Joshua L
Mar 11, 2023
Brookhaven, GA
Verified

Matt kept us informed at every stage of the process. I do not look forward to the day when the mortgage is sold to a bank that does not have the same level of customer service as Tidewater.

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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/);