Contact

Step by Step Guide to Home Buying

James Adair

Published 7 months ago

lets go on a journey together! A Narrated trip through an award winning info-graphic that I had commissioned a few years ago! There are lots of these "guides to buying a home" on the internet, but this one will hopefully help you see how the process flows.
, OR
"Very good communication. Videos helpful"
– Doreen W.

5.0

Review Verified
, OR
"James was quick to respond, had great solutions to problems, was personable and professional, went above and beyond in an effort to make sure our transaction went smoothly."
– Amy R.

5.0

Review Verified
, OR
"Quick and responsive."
– William B.

5.0

Review Verified
, CA
"James Adair & his team of experienced mortgage professionals made the purchase of my new home (out of OR State) a true success. Their on-point communication via email and phone between me and the Escrow company was extraordinary throughout the entire process. His team answered all of my questions and concerns …..and I had many! Due diligence was executed every step of the way. With the best percentage rate secured just in time and their entire documents processed one week earlier than Escrow had originally projected, I definitely chose the right team for guidance and getting the job done. Yes, I highly recommend James and his Sierra Pacific team."
– Susan B.

5.0

Review Verified
, OR
"James was always quick and generous with answering my many questions and analyzing different scenarios for my loan."
– Aaron G.

5.0

Review Verified
, OR
"Great communication and energy. Open, honest, trustworthy. Appreciate this team."
– Evan L.

5.0

Review Verified
, CA
"Awesome team and great communication and expertise"
– Nicolas K.

5.0

Review Verified
, OR
"Good communications."
– Laurence Q.

5.0

Review Verified
, OR
"My situation was quite complex, and I do think James offered great, personalized support throughout and worked very hard to make it work in the end. It's hard to say "Great", though, when there was more than one instance of mistakes in numbers during underwriting (either missed hand-offs or by the underwriter - I don't know, of course) - perhaps just bad luck, given we're all human, but it took everyone extra time to compensate. It also stung a bit to realize how much profit had been baked into the points I was buying to get my rate down, though I value James and recognize you all must be able to make some profit! Jessica also seemed excellent, as always (this was my second SP loan), and of course I'm not sure what others may have been doing behind the scenes. James and Jessica were always smart, efficient, and great to work with, though, regardless of any bumps in the road!"
– Laura R.

4.5

Review Verified
, OR
"Great, responsive communication!"
– Edward B.

5.0

Review Verified
, WA
"Communication and helpful with our issues with delays and our questions. Received fun gift boxes!"
– Merline M.

5.0

Review Verified
, WA
"James and the team were very responsive to my questions and easily accessible."
– William M.

5.0

Review Verified
, OR
"James was super knowledgeable and great at helping me navigate my loan. I’d use him again in a heartbeat and recommend him without reservation."
– Tarn F.

5.0

Review Verified
, OR
"Being able to ask questions about different possible scenarios and getting a clear answer. Very responsive team and did not have to wait for any answer."
– Ziad E.

4.5

Review Verified
, WA
"Required phone calls seem unnecessary. As long as client can reach out IF they have questions, that is plenty."
– Lisa D.

3.5

Review Verified
, OR
"Good communication and gret loan!"
– Gary M.

5.0

Review Verified
, OR
"0000000000"
– Julia C.

4.0

Review Verified
, OR
"Explained things well for a first time refinance, made it simple to understand. Nice company!"
– Linneah H.

5.0

Review Verified
, OR
"James patiently walked us through the process so we knew what to expect, and the apps and emails helped us understand what actions we needed to take at every step. James and his team really shined when they sprung into action as soon as we made the offer, getting us an appraisal in record time (even our realtor was SUPER impressed with the same-day appraisal results). Lastly, they helped us close 8 days early, allowing us access to our new house earlier than expected -- all during the week between Christmas and New Year's. We are so grateful to James for guiding us through a stressful and exciting process!"
– Mami H.

5.0

Review Verified
, OR
"James and his team made the mortgage process seamless and painless, in addition to offering competitive loan terms. James has helped us with mortgage/refinance in the past five years. In between loans, James has also generously offered sound financial and housing advice whenever we reached out to him. We would recommend James to anyone who wants to take out a mortgage or refinance."
– Ning J.

5.0

Review Verified
, OR
"James and his team work hard to keep home buyers happy. Their customer service is second to none. And they were able to match the best rates on the market. We’ve now bought two houses and refinanced one with James and his team, and we couldn’t be happier with their service."
– Erich P.

5.0

Review Verified
, OR
"Lack of communication from the team and delayed response times. When I brought that up things took even longer!"
– Shilo P.

2.0

Review Verified
, OR
"James makes everything easy to understand and was way more helpful than the 2 loan officers I trialed and quit before my friend referred us to James. Instantly he did 5 times the amount of explaining and showing numbers & options for loans right off the bat. Super relieved to finally meet a professional who was top of his game and low key at the same time, which equates to smarts and professionalism but down to earth and not pushy whatsoever. He makes you feel comfortable and supported from all sides. A+! His team Stephanie and Jessica are incomparable as well. We had a months long process of refi/cash out 3 rental properties and then bought a home and these women were amazing and kind as we trudged along through the craziness! Always prompt, super helpful and very professional. I will recommend this team to everyone!"
– Erin B.

5.0

Review Verified
, OR
"James did a great job working with us and being flexible with late night calls or even calls when he was on vacation. He also was very patient answering our questions and explaining everything in a way that was easy for us to understand."
– Jason B.

5.0

Review Verified
, OR
"James makes the whole process easy! Clear communication, quick turn around and explains everything so well."
– Jennifer S.

5.0

Review Verified
, OR
"Easy, reliable, convenient and clear communication!"
– Courtney R.

5.0

Review Verified
, OR
"The process was efficient and pleasant. I found it easy to provide the necessary documents with the portal provided. The emails with recorded video breaking down the next steps were a nice touch."
– Justin J.

5.0

Review Verified
, OR
"Friendly guy, that James Adair. Very Helpful Thank you!"
– Megan M.

5.0

Review Verified
, OR
"Refinancing my home was quick and painless. I'm saving money and barely had to do anything to make that happen. You all kept in touch and let me know where I was in the process."
– Hilary S.

4.5

Review Verified
, OR
"Very thorough and timely support through the entire refinance process!"
– Richard M.

5.0

Review Verified
, OR
"Expertise and exceptional Staff."
– Susan M.

5.0

Review Verified

National Rate Averages

Conf. 30Y Fixed

5.655%
-0.133

FHA 30Y Fixed

5.498%
-0.093

Jumbo 30Y Fixed

5.172%
-0.167

Rate averages are calculated from actual locked rates. Learn more.

Additonal Resources

How Rising Rates impact buying power

Published 2 weeks ago

The Bulletproof Buyer Experience

Published 1 month ago

How to track ACTUAL mortgage rates

Published 3 months ago

The Cost of Waiting to Buy

Published 6 months ago

New FNMA Loan limits for 2022

Published 7 months ago

What can $20k get you in Real Estate?

Published 7 months ago

NEO Home Loans

Company NMLS# 227765

100 Spectrum Center Dr
Suite 750
Irvine, CA 92618
  • Equal Housing Opportunity Logo

©2021 Sierra Pacific Mortgage Company, Inc., NMLS #1788 Equal Housing Lender. 1180 Iron Point Road, Suite 200, Folsom, CA 95630 (Tel. 800-447-3386).
Licensed by The Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act # 417-0015. AZ: Mortgage Banker License 0905006 DE: Licensed by the Delaware State Bank Commissioner # 9801, exp. 12/31/2021 GA: Georgia Residential Mortgage Licensee 16444. IL: Residential Mortgage Lender, NMLS# MB.0006383. For licensing information, go to: http://www.nmlsconsumeraccess.org MA: Mortgage Lender License & Mortgage Broker License MC1788. ME: Supervised Lender License SLM9214. NV: Licensed in Nevada 3268. We provide mortgage lending and brokering services. NJ: Licensed by the New Jersey Department of Banking and Insurance. NY: Licensed Mortgage Banker-NYS Department of Financial Services. OR: License # ML-460. RI: Rhode Island Licensed Loan Broker 20072185LB & Rhode Island Licensed Lender 20072187LL. VA: NMLS ID # 1788 For licensing information, go to: http://www.nmlsconsumeraccess.org. Sierra Pacific Mortgage Company Privacy Policy. http://www.sierrapacificmortgage.com/privacy

© 2022 Lender Launchpad. This is not a Government website. Lender Launchpad and its products are not endorsed by the Department of Veterans Affairs or the US Department of Housing and Urban Development. The content on this site is for educational purposes only and is not an advertisement for a product or an offer to lend. If you have questions about the loan officers featured within our lender directory, please visit the Nationwide Mortgage Licensing System & Directory for more information and to check their licensing status at https://www.nmlsconsumeraccess.org