James Natale, Mortgage Man

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James Natale, Mortgage Man The Natale Team at EMM Loans
NMLS #133539
215-872-4625 James Natale is Vice President of Retails Mortgages at EMM LOANS, LLC. and The Natale Team.

The Natale Team at EMM Loans:

Our GOAL is to provide every client with cost-effective rates, personal services, and a streamlined loan application process. We offer a variety of mortgage products to accommodate first-time home buyers, primary & secondary purchases, investment properties, rehab projects, and more. We originate, close, and fund residential mortgage loans locally. All processing, underwriting, and funding are done locally at the corporate lending office. Our uniqueness is that we always take time to learn about the needs of our clients and care about helping clients achieve their personal goals and real estate investment dreams! Our client experience is simple: their loans settle quickly and we exceed their expectations. Why the Natale Team?
- Knowledgeable mortgage advisors
- We return phone calls promptly
- We Invest time to understand client needs and financial goals
- We don't miss commitment and settlement dates
- We underwrite & close loans within 10 days
- We attend settlements because funding is on time & clients are happy. Client Benefits: FASTER + EASIER + CHEAPER = Better, because we care

Mortgage Products:
-100% financing
-1st Time Home Buyer Programs
- 5% Downpayment and Closing Cost Assitance
- 96.5% Financing on Max Purchase Price of $951,088
- FHA / VA / PHFA /USDA Mortgages
- FICO scores under 640
- Rehabilitation loans (50% rehab $ available at closing)
- Jumbo mortgages
- Investment properties
- Commercial mortgages

Your vote shapes your community. Deciding where to live shapes your future.Whether you've already voted or are heading t...
11/03/2026

Your vote shapes your community. Deciding where to live shapes your future.

Whether you've already voted or are heading to the polls today, thank you for making your voice heard!

When you're ready to make your next big move, I'm here to help you navigate home financing.

Happy Election Day!

Tired of paying your landlord’s mortgage? 🏡✨Buying your first home can feel overwhelming, but here’s a secret: You don’t...
11/02/2026

Tired of paying your landlord’s mortgage? 🏡✨

Buying your first home can feel overwhelming, but here’s a secret: You don’t always need 20% down.

There are incredible First-Time Homebuyer Programs designed specifically to help you get the keys faster:
💰 Down Payment Assistance (DPA): Grants or low-interest loans to help cover upfront costs.
📉 Low Down Payment Options: Standard conventional and FHA loans starting as low as 3% to 3.5% down.
🏷️ Special Tax Credits & Subsidies: Extra savings depending on your location and income.

Stop guessing what you qualify for—let’s look at the numbers together!

5.0 star review received on Experience.com for James Natale by Phillip V - ⭐⭐⭐⭐⭐I can't say enough great things about th...
11/01/2026

5.0 star review received on Experience.com for James Natale by Phillip V - ⭐⭐⭐⭐⭐
I can't say enough great things about this team! As a Realtor, I've worked with plenty of lenders over the years, but it's rare to find someone who genuinely puts their clients' needs above everything else.
We just wrapped up a transaction helping a wonderful client purchase her very first home, and the lengths this team went to make it happen were nothing short of incredible.
When things got challenging, they didn't give up. In fact, he went as far as sacrificing his own commissions and fees just to make sure our client could achieve her dream of homeownership.
That right there speaks volumes about someone's character. It's not always about the money. Sometimes it's about doing what's right and making a difference in someone's life.
This is exactly why I love working with this team. They don't just close loans; they genuinely care about the people they're helping.
I would recommend them to absolutely anyone looking for a lender who will go above and beyond. Thank you for always putting people first!

Click to see all 201 reviews of James Natale, Vice President, Retail Sales | NMLS ID # 133539

🎃👻 Buying a home doesn't have to be scary! Between ghosts, goblins, and haunted houses, there's already enough to be afr...
10/31/2026

🎃👻 Buying a home doesn't have to be scary!

Between ghosts, goblins, and haunted houses, there's already enough to be afraid of this Halloween! 👻

When it comes to your mortgage, we're here to take the mystery out of the process and help make your homeownership dreams a reality.

Wishing you a BOO-tiful Halloween filled with treats, fun, and maybe a few less tricks! 🍬🧡

10/30/2026
5.0 star review received on Experience.com for James Natale by Annette S - Jim  is  amazing,  great  communication,  pol...
10/29/2026

5.0 star review received on Experience.com for James Natale by Annette S - Jim is amazing, great communication, polite and respectful. I am very appreciative of him and his team . Smooth transition and great experience. Thank you!

Click to see all 199 reviews of James Natale, Vice President, Retail Sales | NMLS ID # 133539

Looking to buy, but want lower initial monthly payments? A 2-1 Buydown drops your interest rate by 2% in Year 1 and 1% i...
10/27/2026

Looking to buy, but want lower initial monthly payments? A 2-1 Buydown drops your interest rate by 2% in Year 1 and 1% in Year 2.

🦅🏈 MONDAY NIGHT FOOTBALL = GO BIRDS! 💚🖤It’s game night in Philly! 💚 Whether you’re cheering on the Eagles, enjoying some...
10/26/2026

🦅🏈 MONDAY NIGHT FOOTBALL = GO BIRDS! 💚🖤

It’s game night in Philly! 💚 Whether you’re cheering on the Eagles, enjoying some game-day snacks, or dreaming about a place to call your own, there’s nothing like being home for the big game! 🏡🦅

And just like the Eagles have a game plan, I’m here to help you create a game plan for homeownership! 🏈🔑

Thinking about buying a home, refinancing, or getting pre-approved? Let’s make your next big win happen!

📲 Reach out — I’m ready to help you get in the game!

Fly Eagles Fly! 🦅💚

🍂🏡 Fall in love with the idea of home this Friday! 🧡Happy Friday! There’s a little autumn magic in the air, and it might...
10/23/2026

🍂🏡 Fall in love with the idea of home this Friday! 🧡

Happy Friday! There’s a little autumn magic in the air, and it might just be the perfect time to start thinking about your next home. 🍁🔑

Whether you’re dreaming of buying your first home, upgrading to more space, or simply exploring your options, I’m here to help you navigate the mortgage process with confidence!

Let’s turn those homeownership goals into a plan. 🏡✨

📲 Reach out today — let’s make your homeownership dreams happen!

Wishing everyone a cozy fall Friday! 🍂

Address

1155 Business Center Drive, Suite 110
Horsham, PA
19044

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