Fort Lauderdale · Broward County · Florida
A Broward mortgage broker who has closed here since 2002.
Based in Lighthouse Point, working Fort Lauderdale, Pompano Beach, Deerfield Beach and the whole county — with the two specialties Broward deals actually turn on: condo warranting and self-employed income. Licensed across Florida; $500M+ closed for 1,000+ borrowers.
Why Broward files are their own discipline
Broward County's housing stock is unlike anywhere else a lender trains for: a coastline of condo towers governed by Fannie and Freddie warranting rules that tightened hard after Surfside; canal-front homes in Lighthouse Point and Fort Lauderdale that price into jumbo territory; insurance markets where wind and flood coverage can move a debt ratio by itself; and an economy full of business owners whose tax returns understate what they earn — the exact borrower bank statement lending was built for.
James has originated in this county through every version of the market since 2002 — including the 2007 collapse, which is the credential that can't be bought. His practice runs on referrals from Broward realtors and past clients because his pre-approval letters are underwritten before they're printed, and his closings hold their dates. He's available nights and weekends, which matters when the house you want lists on a Friday afternoon.
Local, but not small
Through Coast 2 Coast Mortgage (NMLS #376205), James brokers the full wholesale market — dozens of lenders competing for your file — rather than one bank's rate sheet. Statewide license, national platform, one accountable originator in Lighthouse Point. Investors get the same treatment on DSCR loans, and when a deal needs speed, private money is on the same shelf.
Lending across Broward and Florida
Every program, anchored locally — from Las Olas condos to Parkland new construction to a Deerfield Beach first home.
Local questions, straight answers
Do you only work in Fort Lauderdale?
No — James is based in Lighthouse Point and licensed across Florida. Broward is home turf (Fort Lauderdale, Pompano Beach, Deerfield Beach, Boca Raton on the county line), but files close statewide, from Miami-Dade to the Panhandle.
Why use a local broker instead of an online lender?
Because South Florida files have South Florida problems: condo warranting, wind and flood insurance timing, association questionnaires, appraisers who know which side of Federal Highway a comp belongs on. A call center prices your rate; a local broker who has closed here since 2002 protects your contract dates.
What does working with James cost?
Broker compensation is built into the loan pricing the same way a bank's margin is — you don't pay a separate fee for James's involvement. The difference is that your scenario gets shopped across wholesale lenders instead of taking one bank's sheet.
Can we meet in person?
Yes — James is in Lighthouse Point and works face to face across Broward, including nights and weekends. Most files run by phone, text and email at whatever pace the deal demands, but the door is real.