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James Taverner, Mortgage Broker NMLS #1369773

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United States
Rancho Cucamonga, CA
James Taverner, Mortgage Broker NMLS #1369773

Providing low rate, hassle free mortgages throughout California. If you would like to be pre-qualified for a loan, please call me.

You may be in the beginning phase of buying or selling a home, or even just wondering if your dream of homeownership can become a reality. I can qualify you in under an hour over the phone! No matter what phase you are in, making you feel comfortable about the process is my very first priority. Helping people and watching them move into their dream home and experience pride of ownership is one of

the greatest rewards for me. I take great pride in my work, and work to get results. I began my real estate career over 5 years ago working for one of the largest investment companies in California. I excelled in this company through hard work and perseverance, and I quickly found that I love the Real Estate business. My experience in real estate investment coupled with over 10 years of experience in the construction business allows me the ability to offer my clients a wealth of knowledge. Keeping the client as my top priority means that I will be available to answer your calls, be sure you have all the answers to your questions, and make sure that you are comfortable every step of the way. I am one of the best loan officers in the business! When other people say it can't be done, I prove them wrong on a regular basis. Jayco Home Loans provides our clients with the best care and highest level of knowledge possible. Make the call today and we can get started. 909-581-2564

09/02/2025

I’ve been playing softball for a long time. This is my 8th or 9th championship game, and I lost them all. Finally got one! Our team did technically win one already, but I broke my thumb the last game of that season. So proud of this team, we played amazing and beat some tough competition 🤘🏼🤘🏼

01/28/2024

Come see my friend Kyler Battleson! 23507 Canyon Lake Dr! It’s a beautiful house

10/06/2023

🤔 𝗦𝗵𝗼𝘂𝗹𝗱 𝗜 𝘄𝗮𝗶𝘁 𝘂𝗻𝘁𝗶𝗹 𝗿𝗮𝘁𝗲𝘀 𝗱𝗿𝗼𝗽 𝘁𝗼 𝗯𝘂𝘆 𝗮 𝗵𝗼𝘂𝘀𝗲?

I am hearing that question a lot these days, and the answer may surprise you

𝗡𝗼𝘄 𝗶𝘀 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗮 𝗿𝗲𝗮𝗹𝗹𝘆 𝗴𝗼𝗼𝗱 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗯𝘂𝘆 𝗮 𝗵𝗼𝘂𝘀𝗲, and here are a few reasons why...

👉 You're more likely to get your offer accepted...
👉 Sellers are a bit more likely to help pay closing costs or give other concessions...
👉 Home prices have settled, but are likely to go up again when rates drop...
👉 Ask me for the other reasons!

Higher rates do bring other challenges though, but I want you to know that I may be able to help there.

𝗦𝗼 𝗶𝗳 𝘆𝗼𝘂 𝗵𝗮𝘃𝗲 𝗯𝗲𝗲𝗻 𝘁𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗼𝗳 𝗯𝘂𝘆𝗶𝗻𝗴 𝗮 𝗵𝗼𝗺𝗲, 𝗯𝘂𝘁 𝗵𝗶𝗴𝗵𝗲𝗿 𝗿𝗮𝘁𝗲𝘀 𝗵𝗮𝘃𝗲 𝘀𝗰𝗮𝗿𝗲𝗱 𝘆𝗼𝘂 𝗮 𝗯𝗶𝘁, 𝗹𝗲𝘁'𝘀 𝘁𝗮𝗹𝗸. 𝗜 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗵𝗲𝗹𝗽.

10/05/2023

New 5.0-star Review: "Had the opportunity to work with James on a purchase for one of my clients. It was an incredible experience. Transaction went extremely smooth, closed earlier than expected, and James was great at communicating during the process. If you don’t have a lender, you would be in good hands with James."

10/04/2023

New 5 star review! Thank you Joel, it was a pleasure. Hope to do it again soon!

10/04/2023

Waiting for rates to drop? See why that can hurt you in the long run. When rates come down, competition will increase dramatically. That means you’ll be in multiple offer situations, with people removing their contingencies to make their offer more appealing to the sellers. Make no mistake, we are in an extreme sellers market right now, with waves of people waiting for rates to come down. Don’t make that mistake. 909-581-2564 [email protected] nmls 1369773

10/04/2023

I got this purchase contract yesterday at 7:30am. I got the loan disclosed, rate locked and submitted to underwriting before 9am. We had approval back by 2pm. Closing disclosure has gone out before the title work has even come back. Agents, if you’re lender isn’t on absolute fire, in this market, please come talk to me. My mantra is time kills deals which is why I do the work before you’re under contract. Nobody wants surprises when it comes to real estate. I’m one of the fastest brokers in the country, because I solve the problems before they happen. Get at me! 909-581-2564 [email protected] Nmls 1369773

10/02/2023

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟮, 𝟮𝟬𝟮𝟯

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Despite improving towards the end of the week, mortgage rates still ended the week higher as rates peaked on Wednesday before falling slightly. The last minute deal over the weekend to avoid a government shutdown may push rates higher this week.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗰𝗼𝗻𝘁𝗶𝗻𝘂𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates continue to reach new highs, as do many consumer rates including car loan rates and credit card rates. It is unlikely we will see mortgage rates fall much from here in the near future, and are more likely to see rates creep higher until we see signs that the economy is slowing down and inflation continues to fall.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Labor Market: Tuesday brings data on job openings and turnovers, Wednesday brings private payroll data, Thursday brings unemployment claims, and Friday brings reports for new jobs created along with unemployment and wage growth numbers. Unless we see clear signs that the labor market is softening, it is unlikely the jobs data will help rates much.
- Fed speakers: Fed members continue to spread the message that the Fed will likely need to raise its rate at least one more time this year, pressuring mortgage rates higher.

09/25/2023

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝘄𝗲𝗲𝗸 𝗼𝗳 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟮𝟱, 𝟮𝟬𝟮𝟯

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates continued higher last week, as the Fed signaled that it would likely raise its policy rate one more time in 2023 and hold that rate higher for longer into 2024.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗰𝗼𝗻𝘁𝗶𝗻𝘂𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates are likely to continue higher this week as markets digest the Fed's message that it will continue to be aggressive in fighting inflation by raising rates and holding them longer. Since the Fed's rate influences all rates out there, from car loans to credit cards to mortgage rates, it makes it unlikely we will see mortgage rates move lower anytime soon.

🗓️ 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Oil prices: Higher oil prices along with supply scarcity will likely drive up the price of fuel at the pump, which is inflationary and not good for mortgage rates.
- Global bond prices: Increases in bond yields in Europe will contribute to higher bond yields here in the U.S., which pressures mortgage bond pricing and pushes mortgage rates higher.
- Fed speakers: Fed members will continue speaking about the need to be aggressive fighting inflation, which means another future rate hike and holding higher rates for a longer period of time in 2024.

09/22/2023

🏡 "𝗛𝗼𝘄 𝗺𝘂𝗰𝗵 𝗵𝗼𝘂𝘀𝗲 𝗰𝗮𝗻 𝗜 𝗮𝗳𝗳𝗼𝗿𝗱?" 🤔

With mortgage rates rising to levels not seen since the early 2000's, this question is more important than ever.

If you're considering buying a home, this is probably one of the first questions you'll ask. And while a mortgage calculator can give you a rough estimate, it can't tell you what interest rate you'll qualify for or provide you with the range of options that may be available... especially options that may help you buy more house while rates are high.

💰💵 Finding an accurate number for how much house you'll qualify for, AND what you can comfortably afford, can be made much easier with guidance from a mortgage professional like me. I can help you understand what you qualify for, discuss what kind of payment you're comfortable with, compare loan programs, and then help you get the most house for your money while making the whole process convenient.

👍 𝗬𝗼𝘂 𝗰𝗮𝗻 𝗰𝗼𝗻𝘁𝗮𝗰𝘁 𝗺𝗲 𝗮𝗻𝘆𝘁𝗶𝗺𝗲 𝗳𝗼𝗿 𝗮 𝗳𝗿𝗲𝗲, 𝗻𝗼 𝗼𝗯𝗹𝗶𝗴𝗮𝘁𝗶𝗼𝗻 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗮𝘁𝗶𝗼𝗻 𝗮𝗯𝗼𝘂𝘁 𝗯𝘂𝘆𝗶𝗻𝗴 𝗮 𝗵𝗼𝗺𝗲 𝗮𝗻𝗱 𝗵𝗼𝘄 𝗺𝘂𝗰𝗵 𝗵𝗼𝘂𝘀𝗲 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗮𝗳𝗳𝗼𝗿𝗱. 𝗚𝗼 𝗮𝗵𝗲𝗮𝗱 𝗮𝗻𝗱 𝗰𝗵𝗲𝗰𝗸 𝗼𝘂𝘁 𝗺𝘆 𝗿𝗲𝘃𝗶𝗲𝘄𝘀 𝘁𝗼 𝘀𝗲𝗲 𝘄𝗵𝗮𝘁 𝗼𝘁𝗵𝗲𝗿𝘀 𝗵𝗮𝘃𝗲 𝘁𝗼 𝘀𝗮𝘆 𝗮𝗯𝗼𝘂𝘁 𝗵𝗼𝘄 𝗜 𝗵𝗲𝗹𝗽𝗲𝗱 𝘁𝗵𝗲𝗺. ⭐⭐⭐⭐⭐

Why not reach out to me, knowing you won't get any sales pitch or be pressured to take any action? I'm simply here to help! 🙌

09/18/2023

🏡 For the week of September 18, 2023

Last Week's Mortgage Rate Recap: Rates moved higher 👎
Mortgage rates moved slightly higher again last week, although the move wasn't much. We did see some volatility when the consumer inflation data came out, but not enough to cause rates to move too much. Consumer inflation came in as expected, although wholesale inflation was slightly higher than forecast.

This Week's Mortgage Rate Forecast: Rates could be volatile ⚠️
This week could once again bring some volatility in rates, but this time it is due to the Fed meeting that concludes with a policy statement and press conference on Wednesday. Rates are more likely to move higher than lower after the meeting is over and during the days after.

🗓️ What's affecting rates this week:
- The Fed: The Fed is unlikely to raise its policy rate at this week's meeting, but future rate hikes will be on the table. Fed members will release their individual projections for rates through 2025, and markets could start to price in another hike to come in November at the next meeting, which would pressure mortgage rates higher now. The only way that rates will move much lower than what we see today would be if markets believe the Fed is done hiking and will have to cut rates in early 2024, which isn't likely.

Address

13295 Joliet Drive
Rancho Cucamonga, CA
91739

Opening Hours

Monday	9am - 8pm
Tuesday	9am - 8pm
Wednesday	9am - 8pm
Thursday	9am - 8pm
Friday	9am - 8pm
Saturday	9am - 5pm
Sunday	9am - 5pm

Website

https://www.jamestavernermortgage.com/james-taverner-mortgage

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