Our Process
What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Client Testimonials
Why we should work together
About Jim
Since entering the industry in February of 2007, I have been fortunate to have helped nearly a thousand customers with the dream of home ownership. My prior career as a PGA Head Golf Professional prepared me well for the problem solving needs of the mortgage industry. I find that my past experiences to teach and educate people on the "customer's level" has made the transition to the mortgage industry not only enjoyable, but more importantly rewarding on so many levels. My personal mission statement is to create a memorable mortgage experience for every agent and their customer with quality, passion, and pride by providing unsurpassed customer service and communication. From the first moment when learning about my customer’s needs, to the details of understanding your financial goals, and all the way through the process of closing the loan, I am committed to you and your success.
With the individual and personal attention that you will receive from myself as well as the support from our local Operations and Management Team, loanDepot is sure to become your lender for life when making life’s biggest purchase. By being the 2nd largest non-bank lender and 5th largest retail lender in the U.S., we position you with many loan product options, competitive interest rates and fees, and efficiency with closing the loan on your timeline. With our Lifetime Guarantee, we are confident that you will wish for your friends and family to share in all the benefits of what we have to offer and look forward providing them the same experience.
FL LIC# LO504
Mortgage Education Videos
Reviews
9 Reviews
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09/22/2020
Smiley from Jacksonville , FL via Zillow
Jim made the home buying process so easy. He will take on the stress so you don't have to! I could not be more pleased with Jim and I would definitely refer him to anyone interested in purchasing a home!
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08/04/2020
user1996408 from Jacksonville , FL via Zillow
I live up north and Jim was recommended to me by my awesome realtors after I bought a home in FL – sight unseen. Jim was the ultimate professional and I was pleasantly surprised with the level of responsiveness and the support that he provided me throughout the process. When I’d first contacted him, he took the time to explain the process to me in great detail and made it seamless, transparent and painless. He was also very patient with me when I decided to switch course with the loan term in the middle of the process from a 30-year to a 15-year term. The minor detour notwithstanding, Jim and his team were still able to secure my loan in record time. I would highly recommend Jim anytime, and already have to a friend who should also be closing any day now (no pressure Jim (.^.)). Thanks again for everything and I look forward to working with you again for my next home purchase - very soon!
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07/03/2020
Brink household from Orange Park , FL via Zillow
Working with Jim was a pleasure. He was always available to answer questions and available. It was easy to use the online process. Although we never met Jim because of COVID-19, we feel like we have made a new friend. I would highly recommend him especially for a VA cashout refi!
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06/23/2020
copher4 from Callahan , FL via Zillow
Jim was awesome from start to finish! He came highly recommended to us and we found out quickly why that was. Jim informed us of each step and the information that he provided us with never changed! He is amazing at what he does!
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05/29/2020
duells from Saint AUG BEACH , FL via Zillow
Jim is professional, timely, thorough, and diligent throughout the entire process. He worked all hours to keep our file moving in the right direction, and keep our desired timeline for closing. Jim is the best we have ever dealt with, and I know we weren't his simplest file, but we would have never felt that.
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04/28/2020
Nia S. from Jacksonville , FL via Zillow
He saved the deal after financing did not complete with a broker. Jim is super fast, efficient, and responsive. Jim maintained great communication with all parties involved which lead to a successful closing. With his experience, skill, and expertise, he helped us achieve our goal. I highly recommend him.
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04/11/2020
Aaron Kibler from Orange Park , FL via Zillow
Jim is very knowledgeable and very helpful. I will definitely use him again and recommend him to anyone I know that may need a lender. Every time I called, text, or emailed, he responded in a really reasonable timely manner. Even after 10:00 on a Sunday night. Great guy to work with. Got us closed in 21 days. Thanks again Jim!
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03/12/2020
Amy T from Jacksonville , FL via Zillow
Jim is the best. When I called him, he was there to help. When I texted him, he was there to help. He was even able to get me good faith estimate numbers when he was on his honeymoon! Thank you Jim for your commitment to service and professionalism.
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03/12/2020
taunyavreese from Orange Park , FL via Zillow
Jim made my husband and I feel we were in EXCELLENT hands throughout the process!! Jim is extremely KNOWLEDGEABLE, THOROUGH, PROFESSIONAL!! Jim is a man of his WORD!! Jim explain the ENTIRE process at FIRST encounter!! EVERYTHING happened like CLOCKWORK!! Jim made the process SEAMLESS without ANY UNRAVELING!! Jim went above/BEYOND!! JIM SCHMID IS AN ASSET TO LOAN DEPOT!! THANK YOU SO VERY MUCH!!
Calculators
Calculate your payment
Crunch your own numbers with our mortgage calculators. Run as many different scenarios as you’d like to see how much home you can afford.
Use this mortgage loan calculator to generate a mortgage estimate. Press the "Calculate" button to find out.
Use this mortgage loan calculator to generate a savings estimate. Press the "Calculate" button to find out.
Contact Jim
No need to look any further for a lender- Jim is the best out there!
My husband and I were renting and when we were told our lease would not be renewed because they were selling the rental property, so we decided it was time to buy. This was in November 2017. We contacted one lender and they told us we needed to pay off a few things and try again in February or March. We were trying to get help from a first time home buyer bond or program. We started looking for another place to rent and we were just going to try again in 2018. I was given Jim's number by a realtor who was showing the house we were moving out of. I contacted him and he immediately went to work for our family. He ran our credit and saw that I was only a few points away from getting the first time home buyer bond. He gave me advice on what we needed to do and gave me very realistic options. He never promised anything he couldn't deliver but he always tried his hardest to get us everything we needed. The first time I reached out to Jim was on 11-30-17 and he worked all through December to get us the first time home buyer bond but also worked through a lot of other roadblocks that we were having. He kept me informed daily and was always real about what could happen- both good and bad. My employer was closed for two weeks for Christmas break but even with that delay we closed on our home on January 10th, 2018. We ended up buying the home we were renting and didn't have to pack a single thing. I honestly can say this would not have happened if it was not for Jim. I cannot recommend him and his professional and informed expertise enough!!