James Chongling

NMLS#

1088471

About

James Chongling

James Chongling is a Branch Manager VP of Mortgage Lending with over 19 years of experience in the mortgage industry. He works with a range of buyers, from first-time to repeat buyers. James is passionate about helping people achieve their dream of homeownership and is known for his exceptional level of service, commitment, and communication. In addition to his professional expertise, he is actively involved in his community and has a passion for exotic cars. James lives in Delaware with his family and enjoys spending his spare time with them. When choosing to work with James, clients can expect personalized attention and someone who is dedicated to helping them achieve their goals.

Loan programs at

James Chongling

- Lightning fast fintech HELOC: Apply in 5 minutes and get your funds in as few as 5 days. No in-person appraisal required.

- Tap your home's equity with fixed rate payments: Start that home improvement project or consolidate debt with loan terms up to 30 years.

- Get a personal loan: Get the extra financial help you need. Apply in Minutes, get your funds in days.

- Down payment assistance: Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.

- Low down payment loans: We offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.

- Veteran loans: Military service members and their families can build equity through real estate at a lower cost than typical homebuyers.

- Bank Statement loans: Self-employed borrowers can seek a home loan without tax returns, W2s, or pay stubs.

- Jumbo loans: Ideal for purchasing larger properties or luxury homes in high-end real estate markets.

- Lock in your rate: Secure a lower mortgage rate for 60, 75, or 90 days without a signed contract.

- Accelerated timelines: Same-Day program for loan approval in one day with options as little as 3% down.

- Physician loans: Affordable home loan program for medical professionals, including paid mortgage insurance and as little as 5% down.

- Foreign National loans: Available for non-US citizens without a social security number, green card, or visa. No FICO score required.

- Reverse Mortgages: A great option for homeowners over 62 who need additional income to supplement their retirement income or pay for long-term care.