James Hair Mortgage Originator NMLS 1680348

06/01/2026

5.0 star review received on Experience.com for James Hair by Tramelle D G - My mortgage loan experience was outstanding from start to finish. The entire process was handled with professionalism, transparency, and excellent communication. My loan officer took the time to explain every step, answered all of my questions promptly, and made what could have been a stressful process feel smooth and manageable. I always felt informed and supported throughout the application, underwriting, and closing phases. Their dedication, attention to detail, and commitment to customer service exceeded my expectations. Thanks to their hard work, I was able to close on my home with confidence and peace of mind. I highly recommend them to anyone seeking a knowledgeable and reliable mortgage professional.

Click to see all 17 reviews of James Hair, Loan Originator

05/30/2026

5.0 star review received on Experience.com for James Hair by Linda C - Very professional and responsive.

Click to see all 16 reviews of James Hair, Loan Originator

05/30/2026

Nobody wants to hear this — but somebody has to say it. 🎯

If you're sitting on a 4% mortgage rate and think that's protecting your finances — we need to talk.

Because if you're also carrying $50,000+ in credit card debt at 20-30% interest and a 12% car loan, that low rate isn't saving you. 💳❌

It's becoming irrelevant while high-interest debt quietly eats your financial foundation every single month.

The math doesn't lie 👇

🔴 Credit cards at 20-30% compound faster than minimum payments can keep up
🔴 A 12% auto loan drains your cash flow every month
🔴 Your blended cost of debt is in the double digits — and your mortgage rate can't fix that alone

A strategic refinance can change everything ✅

✅ Wipe out high-interest debt in one move
✅ Lower your total monthly obligations
✅ Put real money back in your pocket

Stop asking "How do I protect my rate?"
Start asking 👉 "What puts me ahead over the next 5-10 years?"

Want to run the numbers? That conversation is free. 👇

📞 448-777-2126
📧 [email protected]
🌐 jhair.fop-pos.com

James Hair | Senior Loan Originator
| NMLS #1680348
First Option Mortgage
Licensed in AZ | CA | FL | LA | MS | MO | NC | TN | TX

05/30/2026

5.0 star review received on Experience.com for James Hair by Brian C R - Got me approved and to closing in very short time and helped me to learn more about the mortgage process and different mortgages there are.

Click to see all 15 reviews of James Hair, Loan Originator

05/30/2026

🎉 JUST CLOSED! 🏡🔑

Sometimes the best calls come out of nowhere — and this one was exactly that! 📞

About a week and a half ago, my Realtor partner Linda with Main Street Realty in Magee, Mississippi called me with a challenge. She had clients — a husband and wife — who were trying to close a loan at their credit union using a 0% down product. But because of underwriting requirements, they were being forced to bring 15% down. 😤

The issue? Her borrower is self-employed and owns a trailer park. His leases start at 3 months and then roll month-to-month — and the credit union didn't like that structure and ultimately declined to close the loan.

Linda called me. I got the application, got to work, and here's what happened:

✅ We got the appraisal transferred
✅ My guy Marc at McMillian Law, PLLC made the doc transfer seamless (we've closed several together — that relationship matters!)

✅ One touch underwriting
✅ Closed in less than 2 weeks
✅ Instead of 15% down — he only put 10% down 💥

Self-employed doesn't mean unqualified. It just means you need the RIGHT lender who knows how to structure the deal. 💪

If you or someone you know has been told NO — call me. I find a way. 👇

📞 448-777-2126
📧 [email protected]
🌐 jhair.fop-pos.com

James Hair | Senior Loan Originator
| NMLS #1680348
First Option Mortgage
Licensed in AZ | CA | FL | LA | MS | MO | NC | TN | TX

05/29/2026

💰 Did you know you could qualify for up to $500,000 in unsecured business funding? 🚀

No collateral. No assets required. No upfront fees. Just capital to grow your business — fast! Here's what's available:

💼 5 or 7 Year Term Loans
✅ Rates from 9-15% based on your credit
✅ Fixed monthly payments
✅ Full liquidity immediately
✅ Funding in as little as 7-15 business days
✅ No prepayment penalty

📋 Requirements:
🔹 680+ credit score across all 3 bureaus
🔹 2 years personal tax returns showing $50,000+ taxable income

💳 Business Credit Card Program
✅ 0% interest for 6-12 months
✅ Stated income — no tax returns needed
✅ Reports only to the business (not your personal credit!)
✅ No minimum time in business

📋 Requirements:
🔹 700+ credit score across all 3 bureaus
🔹 Established business entity

The process is simple — Apply → Consult → Funded! 💵

Ready to get your business funded? Let's talk! 👇
📞 448-777-2126
📧 [email protected]
🌐 https://preferredfundinggroup.wufoo.com/forms/mc7hjw41u1e3ut/

James Hair | Senior Loan Originator
| NMLS #1680348
First Option Mortgage
Licensed in AZ | CA | FL | LA | MS | MO | NC | TN | TX; business funding available in other states.



Get an official Loan Estimate before choosing a loan. This is not an extension to lend credit. Not all applicants will qualify. First Option Mortgage, LLC. NMLS 123411. www.nmlsconsumeraccess.org. Equal Housing Lender. www.myfirstoption.com/state-licensing. 702 Old Peachtree Rd NW Ste 200, Suwanee, GA 30024.

05/25/2026

Happy Memorial Day! 🇺🇸❤️🤍💙

Today isn’t just a day off — it’s a day to stop and truly honor the brave men and women who sacrificed everything for this country. We are forever grateful. 🙏🏽

First Option Mortgage is closed today but we’ll be back tomorrow, Tuesday May 26th, ready to help YOU make your homeownership dreams a reality! 🏡

Tag someone you’re honoring today 👇🏽

05/25/2026

5.0 star review received on Experience.com for James Hair by Billy H S - Fast financeing, good commuiction.

Click to see all 14 reviews of James Hair, Loan Originator

05/19/2026

This one is personal to me. 🙏🏾

This client found us on Louisiana First News — watched me and LaRhonda Thomas sit down and talk about the housing market — and decided she wanted OUR team in her corner. 📺

She came in thinking she had to sell her current home to buy a new one. But after sitting down and really mapping out her financial picture, I structured a plan that let her KEEP her current home as an investment property — locking in that pre-pandemic interest rate forever — while purchasing this beautiful townhome as her new primary residence. 🏡

And we didn’t just get her under contract. ✅ Conditional approval is already IN. We are waiting on the appraisal and then we are submitting for our Clear to Close. 🔥

This train is MOVING. 🚂💨
That’s not just a closing. That’s a wealth-building moment that will impact her family for years to come. 💰

Shoutout to Keller Williams Realty Red Stick Partners - Baton Rouge for being a true partner from the TV studio all the way to the closing table. This is what it looks like when your realtor and your lender are actually on the same team. 💪🏾

If you’re thinking about buying — let’s talk before you assume what you can or can’t do. You might be surprised at what’s possible.
📲 448-777-2126
| jhair.fop-pos.com
James Hair | Senior Loan Originator
| NMLS #1680348
| First Option Mortgage
📍 Licensed in: AZ | CA | FL | LA | MS | MO | NC | TN | TX