Homesite Loans:

We offer a wide variety of competitive financing options for homesites in St. James Plantation:

• Excellent rates
• As little as 5% down payment
• Up to 15 year terms, with 1 Year - 3 Year Balloons
• Low rate "Interest only", with 5% down, if you plan to build within 3 years.
• Most programs do not require appraisals or surveys
• VERY minimal fees, and VERY fast approvals and closings.
• See our online Loan Calculators to help determine your estimated monthly payment.

Primary Homes:

Whether you are putting 5% or 50% down, purchasing or refinancing a home in St. James Plantation, prefer a fixed rate or want to consider adjustable rate options, and your loan amount is $40,000 - $1,000,000+... St. James Mortgage will find you the best opportunity. If you have an unusual financial situation, we are always happy to work with you on the "best" way to structure your financing. See our online Loan Calculators to help determine your estimated monthly payment.

Second Homes:

If you are looking for a vacation home that you intend to occupy at least 14 days out of each calendar year, then the most favorable financing is a true "Second Home."

• As little as 5% down payment
• Same interest rates as for "primary" homes
• 15 or 30 Year terms
• Fixed rates, or a wide variety of Adjustable rate options
• VERY competitive rates, and VERY quick approvals/closings
• See our online Loan Calculators to help determine your estimated monthly payment.

If you would like more information about our services, or if you would like to schedule an appointment, please contact us, or you can now complete our pre-qualification application online.