James Leo Saville II Nmls#265156

James Leo Saville II Nmls#265156 Mortgage professional with 20+ years of experience
NMLS #359927 | #265156

🏡 Helping California families buy, refinance & invest with confidence. Hello!

First-Time Buyers • VA • FHA • Conventional • Refinance

👉 Get Pre-Approved: www.jamessaville.com My name is James Saville, and I have worked in the mortgage industry since 2004. This is my 18th year and I love it just as much as I did back then. For me, the best part of the job is seeing the joy of the home buyers I work with and witnessing them grow their family's generational wealth through Rea

l Estate. When working with my clients, I strive to make the process easy. I have a calm demenor and personality that helps me get clients through a stressful journey. This job is something I pride myself on as I know that I help people achieve their dreams and find their homes through this job. I understand how important the idea of home is to everyone. Home means a place you can call yours where you grow as an individual and create memories with family and friends. Helping people find their dream home is something that I never take for granted and has made me love this job even more as I get to help others. When I have some downtime, I enjoy spending time on the beach with my dog and family or with my loved ones enjoying good food and activities. My dog is a constant companion, and he is a Bernadoodle named Tank. Living in the great state of California, I also do have an affinity for sports and am an avid Golden State Warriors and 49ers fan. Watching the games is always a fun pastime. I look forward to the opportunity of working with you!

09/09/2026

Thinking about buying a home? 🏠 You might be starting completely backward.

Mortgage rates: The more you know. 💡 While the rates might seem static, their daily costs are always on the move. Swipe ...
09/08/2026

Mortgage rates: The more you know. 💡 While the rates might seem static, their daily costs are always on the move. Swipe to learn more about how this impacts your home buying power.

09/08/2026

Think a pre-approval is just a piece of paper? Think again!

If any of these sound like you, don't guess — let's talk it through. 🏡📞 (831) 535-3954James Saville II | NMLS # 265156 |...
09/08/2026

If any of these sound like you, don't guess — let's talk it through. 🏡
📞 (831) 535-3954
James Saville II | NMLS # 265156 |Concept Mortgage | NMLS # 359927

09/06/2026

Everyone waiting for rates to drop is waiting in the same line.
The day rates fall, the buyers who sat out come back all at once — and California doesn't have the inventory to absorb them. You save on the rate and pay it back in the bidding war, plus a year of appreciation you didn't own.

There's probably a loan program built for your exact situation — most buyers just don't know it exists. 🏡📞 (831) 535-395...
09/05/2026

There's probably a loan program built for your exact situation — most buyers just don't know it exists. 🏡
📞 (831) 535-3954
James Saville II | NMLS # 265156
Concept Mortgage NMLS # 359927

09/05/2026

Buying a home can feel overwhelming — until you have the right person walking you through it. 🏡

Let's make it simple.
📞 Call/Text (831) 535-3954

Self-employed buyers get told no all the time by lenders who only know one program.Your tax return is one way to documen...
09/03/2026

Self-employed buyers get told no all the time by lenders who only know one program.

Your tax return is one way to document income. It isn't the only way. Bank-statement loans, asset depletion, DSCR, profit-and-loss, 1099 and non-QM all read income differently.

Every one has its own guidelines and its own tradeoffs. But a no from one program is not a no from the market.

📞 Self-employed and stuck? Let's talk about what actually applies to you.

The assumption that you have to sell before you buy costs California move-up buyers the house they actually wanted.It is...
09/02/2026

The assumption that you have to sell before you buy costs California move-up buyers the house they actually wanted.

It isn't always true. Bridge financing, HELOC strategies, cross-collateralization and departing-residence rules all exist for exactly this.

Whether any of them fit depends on your income, your equity, the property and your timing — which is a conversation, not a rule.

📞 Thinking about moving up this year? Let's map it before you list.

People put off calling a lender because they think they need a folder of paperwork first. You don't.Ten answers off the ...
09/01/2026

People put off calling a lender because they think they need a folder of paperwork first. You don't.

Ten answers off the top of your head and I can tell you where you stand — what's realistic, what's in the way, what to do next.

📞 (831) 535-3954

Address

4061 Soquel Drive, Suit C
Soquel, CA
95003

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