Jim Black

Senior Loan Officer, Branch Manager (NMLS#633511/1850) American Pacific Mortgage Walnut Creek
Team Jim Black is fortunate to have teamed up with American Pacific Mortgage (APM), to continue to enhance the knowledge, programs and service they offer to the community for residential lending needs.

Jim’s clients, business associates, and co-workers respect his financial business background and drive for excellence as he delivers the best customized short and long term home financing solutions.

We are here to assist with any 1-4 unit residential loan scenarios and have been fortunate to have helped over 3,000 clients with creating and sustaining homeownership.

Give us a call or email us to learn more about ways we can deliver a unique approach to meeting your home loan needs.

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Team Jim Black

Equal Housing Opportunity


Mar 19, 2017
Model Maker Apple Computer
Jim and his team were very amazing, apt and professional!
Mar 8, 2017
Software Professional
Jim was a great Loan Officer. He helped me understand the entire loan process and gathered the relevant information for him lay out the different options for me. I could see a great Subject Matter Expert in Jim during the loan process.
Jan 25, 2017
Sr. Event Manager for Customer & Employee Loyalty at Aimia
Jim did a great job for us.. A person you can rely on 100%.

Thank you Jim and Rose!!
Jan 25, 2017
Major Account Manager - Mitel
Jim was with us, or 10 steps ahead, during the loan process. Great to work with and always accessible.
Awesome experience with Jim and Rose.. entire APM team.

Thanks Guys and we love our new house!!
Nov 16, 2016
Jim works hard to represent the best interest of his clients. He is a can do person!
Nov 15, 2016

Here when you need HOME LOANS!

Our Team is here as your HOME LOAN HERO! Count on us with and Purchase or Refinance needs for your financing goals.
Nov 6, 2016
Battalion Chief
Jim Black and his team were a dream to work with. We have done multiple Re-Fis and HELOCs over the years, and the process from start to finish with Jim was by far the best. The entire process, costs and timeline was explained and monitored throughout. Jim and his team followed up each step with a call or an email to make sure we were pleased. We would highly recommend Jim for all your mortgage needs.
Oct 28, 2016
Director of Engineering
Jim and Lisa were hands-down the best duo to work with through a task like refinancing. There are a million things to do, remember, sign and review and they kept us on track the entire way. The constant communication through email and text (whichever I preferred at the moment) was exactly what helped get this done quickly and efficiently around my schedule. Jim's patience in explaining all of the steps and answering my hundreds of questions made us really comfortable.

Dare I say... refinancing was a pleasant experience :)

I would not hesitate to recommend Jim to friends and family.

Highly recommended.
Oct 27, 2016
Gardener/Home Owner
Jim was fabulous! My partner and I worked with Jim to get pre-approval for a home loan. Jim was clear, thorough and friendly throughout the entire process. He went out-of-his way to get us pre-approved when we jumped the gun and started looking at homes while Jim was out of town. Of course, we fell in love with one, and Jim made it happen. We really appreciated his hard work and the extra time he gave us.
Oct 20, 2016
Jim is the most responsive mortgage broker I have ever worked with. His knowledge of the process assures that your process will be smooth and painless. He connected me with a great rate and explained everything clearly through the process. Thank you!
Oct 19, 2016
Project Manager
Jim and his team were fantastic from start to end, handholding and assuring us through the whole process. In everything they did, the turnaround was so fast and trusted. We were pre-approved within a day of submitting our documents. When we found our house, our real estate agent said we would not have had the winning bid if it were not for Jim’s efforts. He dialed in for our offer review, guaranteeing our finances and a competitive escrow close( 21 days). Jim walked the walk and delivered on all promises made. Our real estate agent also loved working with Jim and was so impressed that he came through with everything on time. She cannot wait to work with him again.
Our rate was the lowest available anywhere at that time.
This is the kind of service which you will not be able to get from the modern online lenders. In such a competitive market, if you want to win that house, go with experience, reputation and personal touch...use Jim!
Sep 30, 2016
Business Coach
Jim Black and his team are responsive, dependable and thorough. They provide great service and education about your options and are always there to answer any questions.

I highly recommend Jim Black and have referred him to many friends and colleagues!
Sep 9, 2016
Insurance Agency Owner - Santa Cruz County
Jim Black and his team are great to work with! They are very competent, experienced, and responsive – all of which are extremely important in today’s lending environment. Jim is great with explaining lending options in a way that is simple and easy to understand. If you are looking to purchase or refinance, I would highly recommend that you contact Jim to discuss your options.
Sep 1, 2016
Jim helped me with the recent purchase of my home in the San Ramon Area. Jim is a thorough professional who will keep his commitment in the offer he has made to you. He goes out of his way beyond any lender I have worked with to understand your needs, constraints and makes personal contact on your behalf with buyer / seller / escrow teams to explain where we are in the process. Call him at 6 in the morning or 9 at night, he is available to assist. I am sure to work with Jim on any future financing needs.
Aug 22, 2016
Founder / Lead Pastor, THE TABLE SF
Jim Black is a very talented loan officer. He loves helping others and brings many years experience to help those seeking to qualify for a home loan. His response time in communicating is super fast. He made the entire process very easy. THANK YOU Jim Black for your hard work.
Aug 13, 2016
Jim Black helped me with the original purchase of my home and again with the refinancing of that home a couple years later. He's very good at comimg up with multiple financing options to fit your needs.
Aug 9, 2016
Senior Construction Project Manager - General Contractor
Jim was terrific. He thoroughly knows his products and how to make sure you're approved for your loan. The process could not have been smoother. His staff very professional and competent. My wife and I have nothing but appreciation for the service Jim performed for us. I would recommend him to anybody.
Aug 4, 2016
Jim is an outstanding, knowledgable, personable, (and funny!) loan officer. He has a talent for being able to communicate clearly and concisely. I've had the pleasure of working with him at our "Essential Home Buying Class" teaching first-time home buyers about what to expect when they're thinking of buying a home. He is patient, and helps explain the mortgage process in a way that is easy to understand. Jim is truly an amazing colleague and friend. I highly recommend him. - Lauren Woody, Realtor at Intero Real Estate Services
Jun 16, 2016
As the manager of an Intero Walnut Creek office, I am pleased to recommend Jim Black to all of the agents and my clients. I look for knowledge and service in a mortgage person because we want our clients to have the best loan person. What makes a loan person great is giving the client the best options for the client, not what makes the loan person the most money. This is how Jim Black treats clients. Trust your clients to Jim.
Jun 16, 2016
As the manager of an Intero Walnut Creek office, I am pleased to recommend Jim Black to all of the agents and my clients. I look for knowledge and service in a mortgage person because we want our clients to have the best loan person. What makes a loan person great is giving the client the best options for the client, not what makes the loan person the most money. This is how Jim Black treats clients. Trust your clients to Jim.
Sep 14, 2015
Jim did an outstanding job of guiding us through a very fast 17 day closing. Without his expert guidance this just could not have been accomplished and we were lucky to have his him taking care of us.
Sep 13, 2015
Jim Black does it again! Thank you Jim for another smooth, wrinkle-free transaction that closed in record time for me in Rossmoor, from writing the offer to closing escrow in two weeks! I've never had a loan specialist who delivers on every promise AND shows up to the signing with our clients.
Way to go Jim. Can't wait 'til we have another deal together!
Aug 16, 2015
I had a fantastic experience with Jim Black and his team, and would certainly recommend his services to anyone looking to finance their home! We had a tight schedule for getting to our home closing, and had enough unique elements to our situation that it took quite a bit of wrangling on his part to get everything in order, and he managed to get us a smokin' deal on top of that.

During the entire process, Jim and his team were responsive, thorough, and professional, and kept my wife and I informed and feeling comfortable. These processes are never without a little pain, but I felt they kept it as low-friction as possible.
Aug 13, 2015
Jim recently helped us obtain a mortgage for a larger house for our family. This had been a dream of ours for many years which finally became a reality! We had a tight budget, but Jim was able to work with us to find an affordable solution. He presented us with several options and explained each of them thoroughly. Jim was always available to answer questions, and was easy to talk to. We highly recommend Jim Black as a mortgage broker!
Aug 11, 2015
Coldwell Banker, Walnut Creek
Jim just closed another loan for a client of mine and as usual, I received nothing but praise about Jim from the client, and of course, Jim is always great to work with for me as an agent. He communicates the timelines and processes well throughout the transaction to stay on track and close on time. And this has been the case with self-employed and harder to underwrite clients as well as the "easy ones." I highly recommend Jim for all your lending needs.

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