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James Venney

Branch Manager

NMLS # 389321

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A 3rd generation Miami native, James has a diversified background in private banking and all aspects of Real Estate finance. Most recently, James was the Senior Vice President and Director of Residential Lending at TotalBank and currently serves as the market manager for the nation’s 2nd largest non-bank lender loanDepot.

During his career he has personally originated more than $500 Million in residential loans and has lead teams that have originated more than $1 Billion in both residential and commercial loans in the South Florida market.   His work history includes being a founding partner of Elements Capital Funding a traditional mortgage lender and LuxLev Capital a boutique fund that provided private loans in the wake of the financial crisis of 2008.  He has enjoyed tenure at several community banks and continues to serve the real estate community by helping both domestic and international buyers execute on residential purchase and refinance transactions.

He is the proud father of a 10 year old girl, avid cyclist and golfer. 

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FL LIC# LO8459

  • 801 Brickell Ave Ste 900
    Miami, FL 33131
  • (305) 389-5061
  • (855) 268-5913
  • Email Me JVenney@loandepot.com
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James Venney
Branch Manager
NMLS # 389321
JVenney@loandepot.com
Phone
(305) 389-5061
Email
Email Me
Address
801 Brickell Ave Ste 900
Miami, FL 33131

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To view legal disclosures and important notices, please click the following: Lifetime Guarantee Disclaimers Rate Assumptions

loanDepot Lifetime Guarantee ("Guarantee")  —  Subject to the conditions and contact requirements outlined below, the Guarantee applies to the refinancing of an outstanding loan originated by loanDepot that is secured by the same property upon which that borrower previously received from loanDepot a loan and “loanDepot Lifetime Guarantee” certificate.  The Guarantee is non-transferable and does not apply to loans obtained to purchase a new property, new loans that result in the creation of a separate lien on the current property (i.e., a “home equity loan”), renovation loans, bond loan programs, down payment assistance programs or personal loans (i.e., loans that are not secured by the property). The Guarantee also does not apply to loans applied for through third parties (e.g., Lending Tree) or originated through loanDepot’s Wholesale division.  The Guarantee may only be used by submitting an application directly to loanDepot.


For Guarantees issued on or after January 1, 2019, the Guarantee may not be redeemed within 12 calendar months of the Date Issued. The ability to redeem the Guarantee in part or in whole also is subject to future changes in Federal or state law, or investor or guarantor restrictions on refinancing the existing loan.  loanDepot cannot guarantee that the borrower will be approved for a future loan, the interest rate for a future loan, or the future appraised value of the home.  The borrower’s ability to qualify for a future loan will be subject to the loan program terms and conditions available at that time.  For future loans meeting the above requirements and which are successfully closed, the appraisal fee will be reimbursed at the closing of the loan transaction and no lender fees will be charged. “Lender fees” do not include discount points associated with the loan transaction.  “Appraisal fee” includes only the fee associated with the first appraisal on the loan transaction and does not include any ancillary appraisal fees that may be charged in connection with the loan transaction (e.g., second appraisal fee, appraisal re-inspection fee, appraisal recertification fee, etc.). Terms and conditions are subject to change without notice.


Future applicants must contact loanDepot directly via the website: www.loandepot.com/MyGuarantee or via telephone (877-395-7381) to qualify for the Guarantee. Applying for a loanDepot loan indirectly through a third party (e.g., LendingTree) makes the borrower ineligible for this Guarantee.

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Rate Assumptions — Rates displayed are subject to change and assumes that you are buying or refinancing an owner-occupied single family home, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 80% or less. The Annual Percentage Rate (APR) is based on the loan amount and may include up to 3 points. (Points include any origination, discount and lender fees.) On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. Please contact one of our Licensed Lending Officers at (888) 983-3240 for a customized rate and payment quote.

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