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!
Why we should work together
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!!
Misty P, Jacksonville, FL
This was the second mortgage company I went through. I dropped the original mortgage company because they were constantly asking for more documentation of everything and letters of explanation of even how I knew the owners. It was a horrible experience, but not knowing this was "not a normal" experience. After speaking with a friend who was a former Mortgage Broker, she recommended Jim Schmid. I called them and they were instantly qualifying myself for a loan without all the unnecessary documentation. They asked for things that pertained to the loan only. It was a smooth and gratifying process and I would definitely recommend and Jim Schmid instantly. Thank you for providing me with my "home".
Jim Schmid was always very courteous. He was also very helpful and willing to explain every process to me. Being a first time home owner this was very important to me. He was a real pleasure to do business with. Thank you!
Past Client, Keystone Heights, FL
Jim knows exactly what I needed to buy a house and worked with me side by side from application to closing the house. He's been there when I have questions and would go far and beyond to exceed our expectations of buying a house. He made it happen when the other two national mortgage companies gave up on us. Thank you!
Past Client, Jacksonville, FL
So friendly and responsive!
Jim exceeds everything I would hope and expect to have from a loan officer. He was friendly and easy to communicate with from the first day we spoke until after closing. He answered all our questions with ease - he simply made the process of obtaining a loan AND buying a home so much easier. I highly recommend Jim to anyone looking for a loan. Thank you, Jim!
Tasha K., Jacksonville, FL
We are first time home buyers with a tricky renovation loan on top of that. We also had a strict timeline but Jim and his team were able to get everything done, as quickly as they could so we could get into our new home. I would recommend him to everyone!
Sarah D., Orange City
I just recently purchased a new home and the process was way less stressful than I imagined, by far! Jim was extremely informative and always available to help me with my loan or just basic stuff about the home buying process, as well. He is an amazing asset for loanDepot and plan on recommending him to anyone I know looking to purchase or refinance their home.
Sherry L , Ponte Vedra Beach,
Jim was absolutely fantastic. Very professional and knowledgeable about his industry. He always made sure to keep me and my wife in the loop. He also was able to tell us what we would need before we needed it to make the process go by a little quicker. If you need a mortgage, he is your guy. You will never be disappointed with Jim. He is just amazing.
Nik D. , Orange City
Working with Jim and his team (Sonya) was an absolute pleasure! My spouses career relocated us to Jacksonville, FL from Atlanta, GA. We closed on our new home in 4 WEEKS! This is our 4th home in 21 years and we couldn’t believe how smooth it went. I must admit that I was initially very skeptical because with our past home buying experience we had to nearly give up an unborn child just to get to the closing table. This was definitely not the experience with Jim. We barely lifted a finger, but always knew where we were in the process. Now grant it, you do have to provide the documentation to validate who you are and who your credit says you are, but not give away your grandchild you might have in 30years. Jim was easy to work with, knowledgeable, professional, personable. If you’re looking to finance your dream home, I recommend you give Jim a try. Jim, thank you so much for making our home buying experience seamlessly amazing.
Tranaise & Ket K.
I would highly recommend Jim to any of my friends looking to buy a house. He is extremely knowledgeable and walked us through the process every step of the way and made it easy to understand. Worked on weekends to get our loan completed in the time that we needed it and was always easily reachable. Very personable and takes an interest in not only the loan but the people behind the loan.
Jim was awesome to work with and provided extremely competent and helpful advice, particularly on when to lock as well as every other part of the purchase process. I will definitely use him in my next transaction!
I have personally been through two dozen closings and this was the smoothest of them all. Jim and Sonya are the consummate professionals. Their communication was outstanding (even sent a video update) keeping us updated as to where we were in the loan process. Jim and Sonya went above and beyond - especially with the technology issues that have a tendency to stress me out. We recommend Jim and Sonya HANDS DOWN!!!!
Jim was FABULOUS! He helped walk us through the mortgage process with my recently widowed mother in law. We had many questions and concerns. He always had time for us and never made us feel like we were an imposition. I would highly recommend Jim as a wonderful person to work with in the home buying process.
Great guy and quick closing. Keeps you updated every step of the way. Is very personable with his clients. Jim worked together with our realtor to make sure that she was updated throughout our loan process. He was very professional with us, our realtor and at closing with the title company. Thanks 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
B.L. Ruffner from Orange Park , FL via Zillow
World class experience- treated like a VIP with a personalized broker experience. Always accessible and quick. I have made two recent transactions a home purchase with Loan Depot and a refinance with ‘another company.’ The other company treated me like a number and failed to explain things, was slow to respond, never accessible by phone, and the failed to deliver or call as stated in their emails. Conversely, Jim (Loan Depot) made things so easy; he provided a personalized and customer friendly experience we will never forget. You can tell he loves and serves a calling and values clients with an enduring vision. I simply cannot tell you how much we appreciate and would recommend him to anyone. I wholeheartedly give my highest recommendation to Jim and will plan to finance with him in the future.
Loretta Rivers from Middleburg , FL via Zillow
Jim was the best loan processor. He processed my loan so quickly considering it was done after my other loan fell through. He answered all my questions and then some. Communicated efficiently and respond in a timely manner to all my needs. I will highly recommend him in the future to anyone who needs help.
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!
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!
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!
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!
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.
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.
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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