Branch Manager | NMLS# 9888

JAMES GILANI

Dynamic finance and operations management strategist with a 20+ year record of demonstrated success in client experience and real estate financing, while providing award-winning leadership in highly competitive markets. Adept at P&L analysis, driving growth of company revenues, and improving team performance. Exceptional mentor and coach. Tenacious in building new business, securing client loyalty, and forging strong relationships with internal departmental partners.

Specialties: Mortgage Strategies, Motivation within Sales/Ops Teams, Organizational Leadership, Key Employee Retention, Solution Selling Strategies, Growth/Development, Sales/Operations Management, Relationship Building, High-Impact Presentation, Company Loyalty/Recognition

(C) 972-955-3535   |    [email protected]

APPLY NOW

“

James is very knowledgeable and was able to answer any question I had for him! He was able to crunch the numbers to the very end and was able to get my fiancé and I to where we wanted to be! Thank you to him, and his team, my fiancé and I were able to buy our very first house!

Gavin A NSaginaw, TX
“

James did a very good job help me out the whole team was phenomenal would recommend anytime for anybody in the home buying time in their life!

Garrett KArma, KS
“

James and his team were great to work with on a difficult transaction. We were able to get our client to the closing table for a home they loved!

Ashlee RArma, KS
“

James did an amazing job, he clarified many questions me and my partner had. I would definitely recommend him if you’re looking to buy a house.

Maria L SJarrell, TX
“

Buying a home is a daunting experience these days. James made the process as seamless as possible and we felt we were important as individuals, not just another mark to be pushed through the mill. Thanks James!

Victor L ZBrenham, TX

Loan Types

FHA

Details

FHA loans are designed with the first-time home buyer in mind. It allows for little money down, lower closing costs, and an easy-to-meet credit score requirement.
It makes for the perfect type of loan to meet the needs of buyers from all walks of life.

FHA Loans Offer:
• Minimum down payment of only 3.5%
• Credit score as low as 500*
• Flexible debt-to-income ratios
• 100% of down payment and closing costs can be a gift
• Flexible reserve requirements
• Up to 6% seller contributions towards closing costs and pre-paid items

We Offer:
• Purchase loans
• Rate-term refinancing
• Cash-out refinancing
• Streamline refinance
• 203(h) - Mortgage Insurance for Disaster Victims

FHA

1st Time Buyer

Details

We help everyone with their housing goals, including the all important First-time homebuyer. Highlights and benefits for these first-timers are riddled throughout our product array, and they include:
We offer:
• Low down payment options
• Eligible sources of funds include gift funds from eligible sources
• DPA assistance that may be available in your local markets
• Zero down payment options for VA and USDA buyers
• Reduced Mortgage Insurance requirements for certain programs
• FICO scores as low as 500 on certain products

1st Time Buyers

Conventional

Details

We are an approved Fannie Mae and Freddie Mac seller and offer the best fixed and adjustable-rate loans for your home buying needs. As long as you meet the minimum requirements with down payment and credit score, we can help you secure the home of your dreams today!
We offer:
• Purchase loans
• Rate-term refinancing
• Cash-out refinancing

Conventional

Jumbo

Details

Our jumbo loans are a solution for borrowers who want to go big with the dream of primary homeownership, as well as securing a 2nd or vacation home.
This jumbo loan product also supports a lower-than-industry average required down payment -perfect for those buyers who want to keep more cash in the bank – with all the benefits exceeding those of a conforming loan.

We Offer:
• Purchase, no cash-out refinance and cash-out refinance
• All occupancy types
• Loans to $2M
• Jumbo AUS
• Non-Warrantable Condos
• No Mortgage Insurance
• First-time homebuyers permitted
• Blended ratios

Jumbo

VA

Details

VA home loans are offered to our country’s bravest men and women. No one knows the comfort of their home more than those who served and that’s why we’re proud to offer loans to our nation’s heroes.
Find the perfect place to kick off your boots with 100% financing available or explore interest rate reductions or cash out refinance options.

We Offer:
• Purchase loan
• Cash-out refinancing
• Interest Rate Reduction Refinance Loan (IRRRL)

VA

USDA

Details

Get a home loan with up to 100% financing
Whether you are an experienced or a first-time homebuyer, you may be able to qualify for a USDA home loan with no money down! These government backed loans are perfect for families and individuals interested in purchasing homes in rural communities. Ask your personal mortgage advisor if this is the right loan for you!

We Offer:
• Purchase
• No cash-out refinance
• Streamline Refinance
• Simple Refinance

USDA

BRANCH NMLS. 2149625 | 6860 NORTH DALLAS PARKWAY SUITE 200, OFFICE 287 PLANO, TX 75024 | 844-375-2116