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James Clark

Producing Branch Manger Guaranteed Rate Affinity NMLS - #259345
James Clark works hard to bring his clients home. With over 15 years of experience in the mortgage industry, James has the expertise and know how to deliver a smooth and timely loan process. Each of his clients are treated as lifelong customer and are given the personal consultative approach they deserve for their financial needs. Whether it’s a refinance, remodel, or investment property purchase, James is committed to providing the right loan program for each of his clients based on their financial goals.

His consistent focus on communication and teamwork with his real estate and financial planning partners enables him to deliver the highest level of customer service possible.

James holds a Bachelor’s Degree in Business from the University of Arizona, and has been living in the Roseville area since 2011. In his spare time, he enjoys spending time with his 2 sons and 1 daughter coaching their local lacrosse teams and helping where he can for their football teams.
Nov 11, 2020
Author
Very knowledgeable and respectful . Was prompt and professional during the entire process . A job well done .
Nov 9, 2020
James Clark was professional, attentive and detail oriented. His customer service was amazing. Mr. Clark called daily to check in and to see if I had any questions as the process moved forward. I will absolutely recommend James Clark to my family and friends.
Nov 6, 2020
Excellence is a right word to qualify professional service provided by James and his team in funding the purchase of our new home. He quickly identified our requirements. Very diligent support from team and functional online platform did all the process smooth. Outstanding results.
Our family much appreciate it and I definitely recommend James top service to anyone planning to buy or refinance a home.

Nov 4, 2020
When my wife and I were introduced to James Clark, we were entering the market as first time buyers. Naturally, our needs were a bit different and we had a lot of questions. Before he sent us our pre-approval letter, he called to speak with us about what it meant and what could change. He made himself available to us at pretty much any hour via email, text and phone. He was very responsive and knowledgeable. He Is also very straightforward. We explained to him what our expectations were in terms of closing time and other particulars. He said he would meet those expectations but he surpassed them. We closed so quickly our realtor and the seller of course were excited about that. But as buyers we appreciated being walked through the process in a succinct yet thorough fashion. From pre-approval to closing, the journey was so seamless and we consider ourselves lucky because we’ve heard horror stories. We recommend him to anyone in the market. Everything was handled electronically expediently and securely.
Nov 4, 2020
Client
James Clark is GREAT to work with. He kept me informed thru each step of the process. He was available any time I had a question and set reasonable expectations. I have referred James Clark to other clients and friends. James Clark is the BEST!!
Nov 1, 2020
Happy Homeowners!!!
My husband and I were hoping to buy a forever home for our family, and James and his team made it happen! Before working with James, we started this process with frustration, no guidance, and lack of care. When we came to James, he provided this in abundance! He was transparent, offered information to help us understand what was happening, and checked in frequently to answer any questions and ease our anxiety. We also greatly appreciated his online interface, making a checklist easy to follow and complete. He and his team were there every step of the way, and we truly felt like they were rooting for our happiness. We highly, highly recommend James Clark and Guaranteed Rate Affinity for your mortgage needs. They offer fantastic service!
Oct 27, 2020
James was very professional and kept me informed of the particulars of the transaction along the way. It was helpful to have his knowledge and expertise guiding me through this sometimes complicated and frustrating process. If you need a mortgage broker, I recommend you consider James for your mortgage transaction.
Oct 22, 2020
Home Owner
James was able to help us refinance our home with ease and comfort. We were able to process all of our paperwork online, which was so easy to use. We definitely recommend James Clark to all of our friends and family 😊
Oct 16, 2020
Registered Nurse
James did a phenomenal job from start to finish on the loan for our new home. It started out as a re-finance but during the process we found the home we had been looking for forever! James didn’t skip a beat and made the transition from one loan to the next smoothly. He is very transparent in what is going on with the loan, explains all the fees in detail. We got a great interest rate which really allowed us to get more of a home. James checks in weekly and was always available by text, call or email. James came recommended to me from several other co-workers in my office and I will continue to recommend him. Thank you James for all your hard work on this purchase for us!!
Oct 12, 2020
Vendor Management
James Clark was responsive to to our search for a loan refinance. He provided concise information on requirements and estimates on using Guaranteed Rate Assurance. Evaluating various other lenders it was clear that James and his organization was the one to use not only for close and rates offering but the "no hard sell" approach. The processing of the loan request was easy to follow and the loan processing team provided guidance as needed. The loan was completed quickly and the disclosures and estimated were accurate. James and his team are easy to work with! Great follow up and straight shooters all!
Oct 8, 2020
Software Engineer
James did a fantastic job helping me finance my first house. As a first time buyer I didn't know what to expect and James kept me informed and updated every step of the way.
Sep 17, 2020
Buyer
James was always prompt in his responses and was always available to answer questions at any time. He made the home buying process easy to navigate and my overall experience throughout the process left me thoroughly satisfied. I look forward to enlisting his help again when we are ready to buy our next home.
Sep 1, 2020
Retired
I want to thanks James Clark for the promptness for our loan. Always keep us informed of what we needed and what steps of the loan we are in. Thank you.
Sep 1, 2020
NP
James and his team did an wonderful job with our refinance. James was very responsive regrading our questions and he was always there if we had any issues. My husband and I have ridiculous work schedules and not always available during normal business hours, but James was very accommodating with his hours and modified his schedule to address our concerns. Thank you so much James! We plan on working with him again for our next purchase.
Aug 31, 2020
James followed through with his promises. Even when there was a bump in the road due to the escrow company which resulted in a later closing he made sure I was compensated.
Aug 25, 2020
Home Owners
August 25, 2020


To Whom It May Concern,


We want to take a moment to speak about the quality of work that James Clark
provides. We very recently did a refinance with James as our Loan Officer.
His professionalism and customer service skills were evident immediately.
He explained the process well, in great detail, and was easily reachable
when we had any questions. Our transaction went smoothly. The on-line
process of uploading needed documents and docusigning was very easy to do.
We would highly recommend James and his staff to anyone looking for outstanding customer service, and thorough, professional skills.
Aug 25, 2020
Credentialing Coordinator
James went the extra mile. When I first spoke with him, he was on vacation with his family, but took the time to speak with me. James and his crew were wonderful through the buying a house process. I would recommend him highly.
Aug 19, 2020
Quality Assurance Engineer
James and his team were a pleasure to work with. Everything went extremely smooth and I'm happy with my new rate. I recommend working with James.
Aug 18, 2020
I got my first home loan with James. James was really quick to respond and satisfied with me with answers to all my questions.
Aug 18, 2020
Account Executive
James is wonderful. He is very patient, kind and genuine- a trustworthy person. James stayed on the phone with me for an hour, walking me through the breakdown of charges and waiting patiently while I created a spreadsheet to try to understand- I don’t know anyone else who would do that. I felt confident having James in my corner. He is available, proactively communicates and is there when you need him- including nights and weekends. I was also really happy with my rate. All around I would absolutely recommend James to everyone I know and care for.
Aug 14, 2020
Retired
James Clark guided us through a tedious loan application process. His extensive knowledge and advice resulted in a successful conclusion and purchase of our new home. We would highly recommended him as an ethical loan officer who will support you through the bureaucracy of the process.
Aug 11, 2020
James was exceptional! He was very accessible to me by phone, email or text. The loan process was very smooth. Thanks James!
Jul 21, 2020
Punctual. Professional. Available at all times for questions and concerns. Being a first time home buyer I felt very well informed by the lender about the whole process. He was able to get me a the lowest competitive rate.
Jun 25, 2020
Public Safety Professional
James did a fantastic job working with me during the middle of Covid-19 - I had a ton of questions as a first time home buyer and he answered all of them promptly and realistically, giving me the numbers as a bottom line and allowing me to make a decision that was right for my individual situation. Never felt any pressure from him and he made sure to check in with me throughout the entire process which eased a lot of anxiety. The online application process was AMAZING for someone who works nights because I could complete almost all the paperwork from my phone and not have to disrupt my irregular sleep schedule for in person appointments. Despite all the challenges presented by ever-changing business practices for everyone in the midst of the pandemic, we closed a full 10 DAYS EARLY !!! Absolutely stellar service from start to finish.
Jun 25, 2020
Senior program manager, Capital Program Management Inc
We really appreciate James’ ability to answer each of our questions. The process was much smoother than I ever anticipated! We would recommend James to anyone for a mortgage.
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 NMLS #1598647