Guiding families, investors, and companies through real estate, mortgage, and fintech with over 20 years of proven success.
Jim Black is a nationally recognized loan officer and trusted advisor serving families and businesses across Santa Cruz and the Bay Area. With more than 20 years of experience and a track record of helping over 8,500 families achieve homeownership, Jim combines real estate and mortgage expertise with innovative fintech strategies. His approach is simple: listen first, understand every client’s goals, and craft solutions that make the process clear and stress-free. Whether you’re buying your first home, refinancing, or exploring investment opportunities, working with Jim means gaining a collaborative partner who puts your long-term success first.
Five Star Google Reviews
In Country (Last 18 Years)
Morgage Lenders in CA
Families Helped with Homeownership
Jim Black and his team were such a pleasure to work with! I am a single, working parent and was daunted to make my dream of homeownership a reality in this market. During my home search, I had gotten quotes from many brokers an...
We highly recommend Jim Black and his team to anyone in need of a home loan! Jim's expert knowledge and lender relationships made an extremely quick turnaround from the beginning to the close of escrow (basically 30 days). Othe...
Jim and his team are amazing. It doesn't get any better than them. They helped us finance a home with challenges, then proactivity reached out when the time was right for a refinance. The refinance is now saving us thousands an...
Jim and his team assisted me with refinancing our home. He was able to lock in an incredibly low rate and we closed in under three weeks. I was actually in escrow with someone else for over two months, and they could not get it...
Jim and his team made our complex refinance process incredibly smooth. Throughout the entire process, they kept us informed on the progress, helped us close quickly, and guided us through a painless experience. You can’t go wro...
Jim has a first-class work ethic and goes above and beyond to provide the best possible customer service to his clients. He is quick to respond, stellar at finding creative solutions, and is always willing to share his knowledg...
Jim and Chaz are absolutely amazing. Pretty much did the impossible by getting us our dream home and letting us rent out our old home. Needless to say, it was very stressful, but they knew what they were doing and got it all do...
Great customer service. Very personable, helpful, and thorough. The online process is secure and efficient. Jim and his team answered all my questions and found me a great rate. Highly recommended.
Excellent job professional and timely. Thanks to Jim and the team for keeping the process moving, the updates, the encouragement, and getting the job done!
Join Jim Black as he sits down with industry leaders to share insights on real estate, mortgages, and smart financial decisions. Each episode gives you the knowledge and confidence to make informed choices in today’s market.
