Understanding mortgage options
I explain the loan options that may fit your situation and how they differ.
Clear Mortgage Guidance for Southern California Homebuyers
Buying a home comes with a lot of questions. I help California homebuyers understand their mortgage options, get ready for the process, and make informed decisions. My guidance is clear and straightforward.
James Taverner | Mortgage Broker | DRE #01982735 | NMLS #1369773 | Lunar Home Loans
Buying Your First Home Doesn’t Have to Feel Confusing
I help first-time buyers understand their loan options, what their monthly payment could look like, and how much money they’ll need to buy a home. I’ll explain the paperwork and walk you through what happens next.
I also process my own loans from start to finish. Once you’re under contract, I don’t hand you off to someone else. You’ll keep working directly with me through closing, and when you have a question, you know who to call.
Available programs, terms, costs, and qualification requirements vary by borrower and property.
How I Help
Preparing financially
I help you understand how lenders review your income, credit and documents, and what you can prepare ahead of time.
Estimating cash needed for closing
I help you plan for your down payment, closing costs and any required reserves.
Knowing what to expect
I explain the mortgage process from application through closing and who handles each step.
A Simple Process
Schedule a conversation
Pick a time that works for you and bring any questions you have about buying a home.
Review your situation and goals
Talk through where you are today, what you would like to buy, and what matters most to you.
Understand your available next steps
Leave the conversation with a clearer picture of your options and what you could do next.
Mortgage Topics
Educational topics I can walk you through. These are subjects for discussion, not product offers.
- First-Time Homebuyer Guidance
- Conventional Loans
- FHA Loans
- VA Loans
- Down Payment Assistance
- Refinancing
About Me
I'm a California mortgage broker serving homebuyers throughout Southern California, and I've worked as a mortgage broker since 2016. I explain things in plain English. I stay responsive when questions come up, and I take the time to help you understand the choices in front of you.
My approach is simple: I treat every client with the same care I would give my friends and family.
More about meCommunities I Serve
I help homebuyers throughout Southern California, including the Inland Empire and San Diego County. I’m licensed in California only.
Inland Empire
- Riverside
- Corona
- Eastvale
- Canyon Lake
- Menifee
- Temecula
- Murrieta
- Ontario
- Rancho Cucamonga
- Chino
- Chino Hills
San Diego County
- San Diego
- Chula Vista
- Carlsbad
- Oceanside
- Encinitas
- Escondido
- San Marcos
- La Mesa
Explore the local information I’ve published in Local Guides.
Client Feedback
Read what clients have shared about working with me.
View Google ReviewsHave Questions About Buying a Home?
Schedule a conversation with me. We can talk about your goals, your questions, and your possible next steps.