Putting 30 years of home financing to work for you
At The Jim Passi Team, we pride ourselves on delivering exceptional service, expertise, and results to our clients. With over 30 years of experience in the mortgage industry, our team understands the complexities and nuances of the home financing process. Our mission is to provide personalized attention, clear communication, and tailored solutions to help our clients achieve their home buying or refinancing goals.
Our Services
We offer a wide range of mortgage services to cater to the diverse needs of our clients. Our loan programs are designed to provide flexibility, affordability, and peace of mind for homeowners.
Loan Programs
Our loan programs include:
- Conventional Loans: Traditional loan programs that usually require 5% down and offer competitive interest rates.
- VA Mortgage: A government-backed loan program designed for US Military service members, Veterans, and eligible surviving spouses.
- State Bond Programs: Programs that offer 100% financing to first-time and repeat homebuyers.
- Rural Housing Loans: Programs provided by the US Department of Agriculture to promote homeownership opportunities in rural areas.
- FHA Loans: Insured loans that require very little cash investment to close a loan, offering more flexibility in calculating household income and payment ratios.
- Jumbo Loan Programs: Programs that offer financing for loan amounts greater than the conforming or high balance limits.
- Home Renovation Loans: Designed to create opportunities to repair or improve existing homes and increase the value of the home in a single mortgage.
- Down Payment Assistance Loans: Programs and grants designed to help homebuyers with a portion of, or all of, the down payment required to purchase their new home.
- ARMS (Adjustable-Rate Mortgages): Variable-rate mortgages with a lower initial rate than a fixed-rate mortgage.
- Interest-Only Loans: Loans where the borrower pays only the interest on the principal balance for a set term, with the principal balance unchanged.
- Reverse Mortgages: Programs designed for those 62 years of age or older, allowing them to convert part of the equity in their home into cash without having to sell their home.
At The Jim Passi Team, we understand that no two clients are alike. That's why we take the time to listen to our clients' unique needs and goals, providing customized solutions that fit their financial situations and lifestyles. Our team is committed to delivering exceptional service, expertise, and results to help our clients achieve their real estate goals.
Professional and Reliable Service
The reviews highlight the exceptional service provided by two mortgage professionals, Jim Passi and Jim. Rosemary Sisto, who had a 5-star experience with Jim Passi, praises his professionalism, patience, and kindness. She expresses gratitude for the outstanding service he provided to her and her husband.
Inconsistent Experience
On the other hand, Mike K. had a disastrous experience with Scott Shaheen, rating him 1 star. Mike K. was fraudulently assured that the deal was a done deal and was even asked to write a check for the closing, only to be asked to bring no money to the closing. This led to a stressful and disappointing experience.
Exceptional Support and Guidance
Three reviewers, Mike Divello, Abby Bradley, and Rosemary Sisto, had excellent experiences with Jim. Mike Divello praises Jim's incredible support, professionalism, and attention to detail. Abby Bradley has refinanced with Jim three times, always having a good experience. Rosemary Sisto also expresses gratitude for Jim's outstanding service. These reviewers highlight Jim's exceptional ability to guide his clients through the mortgage process.
Unsatisfactory Experience
Lissette Barrientos, on the other hand, had a terrible experience with an unnamed representative. She was asked to provide many documents repeatedly and was frustrated by the lack of updates on the process. Her dissatisfaction led her to give a 1-star rating and refuse to recommend the service.
