James Hirbour

Senior Loan Officer

James Hirbour

“I love helping people find the right mortgage product. It can make such a dramatic difference in their monthly finances.”

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James understands that every buyer’s needs are different and no matter what stage of life they are in, he enjoys finding the mortgage product that best suits their needs. Whether they are purchasing their first home, buying a larger home or downsizing, or even refinancing to save on monthly payments, James brings his vast knowledge and experience to help them in this exciting part of their lives.

Take advantage of:

  • No Cost, No Obligation Pre-Approvals
  • Our First-Time Home Buyer Programs
  • Unique Construction Mortgage Loans
  • No Closing Cost Mortgage Options
  • Refinancing Your Mortgage To A Lower Rate, Shorter Term Or To Take Cash Out
  • Loans For Members With Less Than Perfect Credit
  • Avoiding Private Mortgage Insurance (PMI) With Less Than 20% Down

You'll love our great rates

Mortgages

Rates**

APR

Payment per $1,000*

*Up to 80% Total Loan To Value. Other rates and terms available. Pmt Per $1,000 does not include taxes and insurance if applicable. The actual obligation will be greater than the payment shown.

** Rates are effective June 12, 2024 and are subject to change at any time. Conforming Purchase loan sizes up to $726,200.00 on one-unit properties. Conforming rates and APR based on $726,200.00 Purchase loan amount with FICO credit scores of 740 and loan to value no greater than 75%. Jumbo rates and APR based on a $726,200.01 Purchase loan amount with FICO credit scores of 740 and loan to value no greater than 75%. For adjustable-rate mortgages, rate may increase after consummation.

10 Year Fixed Conforming

Rates**

6.875%

APR

6.930%

Payment per $1,000*

$11.55

15 Year Fixed Conforming

Rates**

7.000%

APR

7.039%

Payment per $1,000*

$8.99

30 Year Fixed Conforming

Rates**

7.375%

APR

7.400%

Payment per $1,000*

$6.91

30 Year Fixed Jumbo

Rates**

7.375%

APR

7.400%

Payment per $1,000*

$6.91

Get in touch with James

Phone: 978-509-6038

Email:  [email protected]

NMLS ID: 19618