James A. McVey

I’ve been in the mortgage business for 13 years, with a little over 10 of those spent actually originating loans. I work with people from all walks of life, and a lot of my clients don’t fit into a perfect box. That’s the part I enjoy most. Every situation is different, and I’d rather spend the time figuring out the right setup than forcing something that barely works just to get a deal done. In 2025, I opened my own mortgage branch so I could have more control over the process and deliver better results for the people I work with. Having in house underwriting makes a big difference. We can move faster, handle issues upfront, and avoid a lot of the unnecessary back and forth and extra costs that slow deals down. We offer all the standard loan options, but we also handle things like down payment assistance for qualified buyers, bank statement loans for self-employed borrowers, and DSCR loans for real estate investors. Since these programs are done in house, there’s more flexibility, better pricing control, and usually fewer closing costs than you’ll see with brokered loans. I’m upfront from day one and big on clear communication. At Primary Residential Mortgage, no one is treated like a number. I stay involved throughout the entire process and make sure you know what’s happening at every step, so there are no surprises and no guessing. I’m here to help you with your next mortgage, whenever you’re ready!