Clicky

James W. Argo

Senior Loan Officer - San Francisco - Montgomery St. NMLS #257031 / 1850 - CA DRE #00869591 / 01215943
I have been providing personalized mortgage advice since 1984 and I am passionate about my work. I love what I do. I am an advocate for clients, not for banks.

Early in my career, I observed and realized that my clients needed financial advice on more than just their mortgage - advice that included the best ways to save for retirement, save for college, pay off debt, build a rainy day fund and properly invest for future needs. Today I uniquely advise each client holistically on how to handle their money and their mortgage, so they can achieve financial security faster.

Other things I am passionate about are my family, making wine, cooking amazing food at home, canoeing the rivers & lakes of Northern California and blowing the room away on my tenor sax.

Equal Housing Opportunity
NMLS #257031 / 1850
CA DRE #00869591 / 01215943
Feb 2, 2023
★ ★ ★ ★ ★
James has helped us several times and every time has been 5 stars. Thank you!
Jan 30, 2023
★ ★ ★ ★ ★
Great service, spot on with getting everything in line to keep the ball moving.
Aug 9, 2022
★ ★ ★ ★ ★
Many thanks to Jim and his team for getting us our home mortgage. In spite of some challenging aspects, it all happened very quickly, and the result was more than satisfactory in terms of both the amount obtained, and the interest rate. Moreover, Jim was very proactive about explaining each step along the way, and was always available to answer questions, both of which made our part of the process easy to complete. Last but not least, Jim is a very friendly person and a pleasure to interact with. In short, highly recommended!
May 31, 2022
★ ★ ★ ★ ★
Jim was amazing. It was a bit more work upfront for us, but the actual mortgage closing process was exceptionally smooth. Jim was on top of issues as they arose, and often resolved them before we were even aware. Thank you Jim; we’re thrilled to have funded our first house, and give credit here to your efforts!
May 24, 2022
★ ★ ★ ★ ★
He did a great job. The process was a great experience and quick. I highly recommend him and his staff!!!
Mar 17, 2022
★ ★ ★ ★ ★
James is thorough,intelligent and well informed, and was very helpful about fielding mortgage questions pitched by my eldest. As a mom who.does not have experience with such transactions James was an excellent resource to her. Many many thanks!
Feb 17, 2022
customer
★ ★ ★ ★ ★
Jim is the REAL DEAL. He went far and above the "numbers" and helped me clarify my needs and goals. He is both professional and compassionate; taking great pride in helping me get the right loan and terms that are in my best interest. I highly recommend Jim and his team. Thanks Jim!!!
Feb 10, 2022
★ ★ ★ ★ ★
Answered our questions and made the process easy
Jan 7, 2022
★ ★ ★ ★ ★
Wanted to extend our sincere thanks for helping us get this process completed with lightening speed, especially through this tough time and through all the holidays. Yet, again, another testimonial to how good you are.

Thank you!
Dec 30, 2021
★ ★ ★ ★ ★
James Argo will go to war to get you the best deal. Working with Jim is like having a family member in the mortgage business.
Nov 4, 2021
★ ★ ★ ★ ★
James and his team were really great and gave us the appropriate advice as we bought our home. His knowledge and expertise are deep and his knowledge of the Bay Area, added with great relationships with other service providers made our process really smooth and friendly in a post-pandemic buying environment. Highly recommend him!
Oct 27, 2021
★ ★ ★ ★ ★
Excellent service, courteous, knowledgeable and provided very good guidance through your the process. I would recommend Jim to anybody who is looking for reliable expertise on Mortgage loans.
Aug 23, 2021
★ ★ ★ ★ ★
Jim Argo and his Team are amazing. Courteous, thorough and communicative. I felt they gave us great frequent updates and Jim was always cool under pressure and in the current market - pandemic, low rates, etc - that is saying a lot. Jim even answered emails when on vacation in Europe which was very thoughtful. Professional all around and I would recommend him to friends/family.
Jul 2, 2021
Dr.
★ ★ ★ ★ ★

Not only is Jim knowledgeable, he shares that knowledge in a patient, reassuring, user friendly way. He's trustworthy, responsive, personable, and makes the process go smoothly. I recommend him highly.
Jun 9, 2021
★ ★ ★ ★ ★
Excellent job, every time. Thank you, Jim!
May 7, 2021
★ ★ ★ ★ ★
Jim spent plenty of time walking us through all of our options, and made the right recommendations to get us into the loan and rate that made sense.
May 4, 2021
★ ★ ★ ★ ★
James Argo demonstrated an in depth and thorough understanding of the mortgage re-finance process. He was supportive and very courteous.
May 4, 2021
★ ★ ★ ★ ★
Jim was a great partner when dealing with our mortgage. Everything went smoothly and we closed quickly!
Apr 20, 2021
Senior Scientist
★ ★ ★ ★ ★
I would enthusiastically recommend James and his team when embarking in the process of requesting a loan. He was always very clear and informative throughout our interactions. He was very prompt in answering all my inquiries, and walked me through the process of obtaining financing with thoroughness and punctuality. As a first time home buyer, that was very helpful for me, and I was very impressed by his knowledge, his professionality and his kindness.
Apr 1, 2021
★ ★ ★ ★ ★
James is a bit of "old school" while demonstrating an outstanding ability to walk dinosaurs through the new technology which seems to dominate all financial transactions. "Old school" in that he follows through consistently. He was able to quickly provide us with both the mortgage package and the HELOC which exceeded our expectations. Made a difficult and tenuous process worthwhile.

Thanks James
Mar 11, 2021
President at A.J.O. Group Inc
★ ★ ★ ★ ★
Great job again by James' team on my refinancing application, thank you!
Feb 24, 2021
★ ★ ★ ★ ★
Jim was attentive, thorough, and kept us informed at all phases of the process. The process went very smoothly and our loan was approved and funded promptly.
Feb 9, 2021
★ ★ ★ ★ ★
I was just starting a fairly routine refinance with Jim when my 79 year old mother finally decided she was ready to downsize. She wasn't sure whether to buy a smaller place or move into a retirement community. I asked Jim to talk to her and help her with loan options, and he was patient, kind, and clear in explaining them, ranging from when to sell her house vs. buying the new one, options for bridge financing, how sellers view contingencies, how preapprovals work, and so on. He saw her all the way through . . . and then she decided she would rather move into an apartment, and rent instead of buy. Jim was totally fine with having spent the time even though there was no transaction in the end - he is first and only about service to clients. In doing so, he has earned a loyal client and referral source in me.
Feb 8, 2021
★ ★ ★ ★ ★
James Argo came to our rescue after we spent several months trying to refinance our home mortgage with our current company. The Nationstar folks were running us in circles and did not offer us the best rate or terms. They had terrible customer service which was no customer service . James was patient, knowledgeable, professional and efficient. I would not hesitate to recommend him to my friends and family. Thank you, James.
Jan 14, 2021
★ ★ ★ ★ ★
Jim was recommended to me for home mortgage when we first purchased our home years ago. He was able to help with our initial financing and was answered all our questions during this stressful process. When it was time to refinance, Jim was the only person I considered for this task. Just as before, the process was smooth and painless. It took a little longer during COVID times, but the loan was set up and closed without any issues. Whenever anyone I know needs help with their home mortgage needs, Jim is always the first person I recommend.
Show More

My Associations