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
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

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.
Jan 12, 2021
Jim has helped me with a number of loans and has always made the process easy. I would recommend him to anyone.
Jan 1, 2021
James did a fabulous job navigating a very tricky refi. He was great at communicating and was there with every step of the way - he's the best!
Nov 7, 2020
I met Jim many many years ago as a wide-eyed twenty-something, long before I was ever ready to consider real estate in San Francisco. And, I am so grateful that I thought to contact him as I explored the prospect of putting an offer on a house.  Jim not only carried us through the challenging task of learning to become first time homeowners but he always took the time to really educate us on the nuanced process.  He went above and beyond to find suitable financing when other lenders weren't available to us. Jim was very diligent about anticipating complications and kept in constant communication with our wonderful real estate agent.  And, despite a rushed close date during an already chaotic time of Covid, Jim was able to pull all the pieces of the puzzle together seamlessly. We couldn't be more excited about the home we closed on and its in large part to Jim that any of it was possible. He fought for us throughout every step of the process. I am so grateful we had him on our team!  You can trust that with Jim you will be in the best hands.  Thanks for leading us through the whirlwind, Jim! Perfezione Qualificata!
Aug 20, 2020
I came to Jim after already having had made an offer on a home at that offer having been accepted. I was not prequalified and was not even planning on buying a home. Jim went out of his way to make sure we got everything done on time and set everything up to put me in the best possible situation as far as the loan went. He guided me step by step throughout everything and made sure we met every deadline. Looking back now I must say the situation I put Jim in was almost unfair to him. At the end of the day he was able to get everything done perfectly and there was never a doubt in my mind he wouldn't. I will definitely be back to get all my financing done in the future with Jim. He is a stand up guy and always looks out for your best interests.
Thanks Jim!
Aug 1, 2020
James did an outstanding job. He kept us informed about the steps we needed to take, and he was always available to answer any questions that we had. He’s honest and reliable, and I highly recommend him!
Jun 1, 2020
Assistant Professor
Can't tell you how lucky I was to be able to work with James. He helped me navigate through a couple of real estate transactions, one of which was quite a bit involved. He also put in a lot of extra time getting me the best loans I could get for my specific circumstances. I'm sure it would be hard to find that kind of customer service elsewhere. I can't recommend him highly enough.
May 1, 2020
We love Jim! He has helps us with many loans and refinances over many years. He is always quick to respond and always has answers to my many questions. Everything goes smooth when we work with Jim and I look forward to working with him on our next loan.
Mar 30, 2020
Sr. Manager
Jim was incredibly responsive throughout the process & got us an amazing rate. We were working with Jim when the COVID-19 pandemic hit the US, and throughout the chaos of that time, Jim kept us informed and I always felt like he kept us a high priority. We got a beautiful home in a timely manner thanks to Jim & his team.