St James Mortgage Corporation

St. James Mortgage Corporation, based in Bloomfield Hills, Michigan, is a direct Fannie Mae lender known for its commitment to serving Michigan customers. Established to provide a personalized lending experience, the company is locally owned and operates with Fannie Mae's automated underwriting system, facilitating fast approvals and streamlined processes.

What sets St. James Mortgage apart is its dedication to making and servicing its own loans, ensuring that customers maintain a long-term relationship with their original lender rather than being sold off to an out-of-state servicing company. This approach fosters trust and simplifies future interactions, such as refinancing, as the company retains client information. They specialize in "No Point, No Cost loans," aiming to reduce upfront expenses for borrowers.

St. James Mortgage offers a full range of conventional mortgage programs, alongside support for FHA and VA loans, which include options for low or no down payments. The lender emphasizes customer education through tools like online calculators and provides a user-friendly online application process, reflecting its blend of traditional, relationship-focused service with modern digital capabilities. Their high rate of repeat and referral business underscores their commitment to client satisfaction.