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
As your trusted loanDepot loan consultant, I will walk you through every step of the loan process and support you from pre-approval through your closing date. This website will be a useful resource for you throughout your loan process and provides many tools for you to utilize to ensure this is a stress-free experience. Whether you are a first time home buyer or seasoned buyer, you can trust me and my team with all of your home financing needs. Don’t hesitate to reach out using the direct contact information located on this page. I appreciate your business and look forward to working with you!
TN LIC# 149095
Mortgage Education Videos
John and jana Nixon from via Zillow
Jim was very patient with us and really took our concerns to heart. He really showed true professionalism. He was a joy to work with and would recommend him to anyone.
nashvilledavidson from via Zillow
Situation could not have gone smoother. Worked tirelessly with my realtor to make the transaction as seamless as possible. Went over and above all expectations!
I have used Jim and pacific financial on the past two home purchases both have been great experiences. Jim is always there when I have a million questions to ask and is very quick to respond.
Jim was able to take a failed home loan with my previous lender, and turn it into an approval in less than 2 weeks! He was able to explain why it wasn't approved before, then explain how to quickly and efficiently turn it around. He explained the entire process and didn't pull any punches in regards to what needed to be done. By far the easiest person to work with!
Jim was great. He laid out the plan and then made it extremely easy for us to complete our refinance. He coached us through the lock in and arranged for the contract signing at our house. We've refinanced before with others and some of those experiences were a little hairy. With Jim the process happened just like he said it would; it couldn't have been easier or better.
Jim Toney helped My Fiancé and I buy our first home. Jim was 100% honest, upfront and transparent. Jim answered my calls and texts at any hour of the day and night. Jim did EVERYTHING he said he would in the time frame he said he would do it. I cant thank Jim enough for making our first home buying experience so easy and fun. Jim was also very informative . Jim is the type of guy that wants to see success for his clients and its very clear. I would work with him all over again! Thanks again Jim
I have worked with Jim on 2 home purchases and a refinance and through every transaction he has been great with communication and just getting everything done. I can't recommend him enough and I HAVE recommended him to several of my friends who have used him for their financing. Plus, he's a super nice guy!
He was very helpful and fast, I've never closed in the short amount of time that he was able to get it done in. I would highly recommend him to anyone who is looking to refinance.
My wife and I have worked with Jim on multiple purchases and refinances. Each time has been a great experience. He always makes himself available for questions and makes the process as smooth and painless as possible.
We started working with Jim when moving was just an idea and we were not sure how to navigate the loan process in case we needed to buy another house before our current closed. He helped us navigate the options and figure out a game plan, which gave us the confidence we needed to proceed. In the end, our old & new home closed on the same day, just 5-weeks after contract. The entire process was very smooth, and easier than I recall from past experience. Jim was easy to work with, and we would definitely use him again should the need arise.
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