I had my doubts. I was leery of mortgage brokers. I had done most of it on my own in the past. It's a lot of work if you're trying to go at it alone and a lot of stressful nights. After spending about 2 hours a day surfing the web and looking for the best rates and mortgage loan companies, I relented and finally decided to reach out to a mortgage broker. I had my doubts. I was about to make one of the largest financial decisions in my life and I was tired of dealing with the big banks and their business acquisition models -- that were more concerned about addressing their own needs than mine. Surely somebody could take me through the process and explain things to me along the way so that I could make the best decisions for myself and not just throw myself to the sharks. James Duncan was that guy. I still can't believe I found him. It was like I had my own personal loan advisor helping me along the way throughout the entire process. I think about the hours wasted trying to do it myself. James gives you the information you need when you need it so that you can feel confident in making your decisions. Top notch professionalism. I ended up going with a solution through United Wholesale Mortgage and couldn't be happier. I went over the numbers in great detail. The man is honest. I hope I never have to buy another home, but if I do, I know where I'm going to go and who to reach out to. read more

We refinanced with James the first time in early 2019 and had a very pleasant experience. So much so that as the rates dropped, we refinanced again in late 2020 through James. And to boot, our daughter is financing their first home with James this month and our son is working with him to get prequalified for their first home purchase. We found James to be very knowledgeable, informative, patient and most importantly honest and straight forward. He took the time to understand our needs, find the best possible deals available and help us sort through what would be optimal for us. James certainly will be the first person we would recommend to any of our family and friends who may be in the market to finance or refinance their mortgage. read more

Buying a house can be a stressful situation and having someone like James that understands the mortgage industry inside and out removes this element. We have used James for our mortgages on multiple properties and have the upmost trust in him. He provides an amazing customer experience, that will bring you back for all your mortgage needs. Once you are in James hands the process is painless due to the outstanding work, he does for you. He looks out for you as if the mortgage is for his family. His service goes beyond the initial mortgage, we have refinanced 3 times due to market changes and James watchful eye for when it makes strong financial sense. You will never have to find another mortgage broker; it will always be James! read more

To get the home of our dreams, we went with Cascadia Mortgage to offer a 14-day close. The process working with Cascadia Mortgage was seamless. We worked with James Duncan who was on top of his game and great at communicating every step of the way. James let us know what was needed from us and what to expect next all via email. James explained the closing process--a process that was pretty confusing for first-time home buyers like us. Cascadia Mortgage delivered and we couldn't be happier. I have a hard time believing a big bank could ever deliver an experience like Cascadia Mortgage in a 14-day time window. You won't regret going with Cascadia Mortgage! read more

I'm really appreciative of James Duncan and Cascadia mortgage. James was able to help us save over $10,000 in closing costs, compared to the lender we were previously working with, our rates were lower, we were ready to close in 2 weeks, he was always there to answer our questions, and he connected us to a home insurance broker with better rates than what we could find. He blew away our realtor and the listing agent, with his speed and low rates. Working with James Duncan was a great decision and I look forward to using his services to buy more real estate in the future. read more

I first heard of James through my Dad who had used him for a refinance and I've now refinanced twice through James myself. #1 for me is the best rates but close behind is service and James has always killed it on both. I've never found better rates and James has always been on top of everything, highly knowledgeable, and very communicative. If there has been a concern or a snag in the process James is on top of it and had personally made sure that it all went through correctly. 10/10 would recommend to anyone else looking for a great rate and great personal service. read more

James has been fantastic to work with! My wife and I have now refinanced out home twice (one to a lower mortgage rate and another for cash out and a lower mortgage rate) and worked with James both times. He made the whole process easy to follow (provided us with options based on our needs and noted what documents were needed along the way). He was very accommodating to my schedule as well (taking calls past 5pm and on weekends). I would recommend James to all as a result of his dedicated service. read more

When James helped us refinance our home, he made the process so effortless and streamlined that we came back and did it again! Not only is he knowledgeable, but using him was much more affordable than going through a bank or credit union, which is what we've done in the past. He was able to find the best options for our portfolio, and the service was five star. He's responsive and keeps you in the loop. He goes above and beyond to get the job done. Would recommend him to anybody. read more

This was by far the easiest home purchase - all because of James! He ensured that we received the best rate possible and was truly the person to get us over the finish line when it felt like both realtors were MIA. He takes the time to make sure you understand every piece of the transaction, he's always available if you have questions, and he truly cares about what he does. I just cannot recommend James enough - this is everything a lender should be!!! read more

James did our purchase loan and 4 years later did our refinance. He is professional, competent, knows his industry and above all, he's honest. He took the time we needed to understand the loan application process and all of our options. We always felt he had our best interests in mind and when issues arose, he had the experience to get the job done. We will use James again and we highly recommend him to our family and friends. read more

I've worked with James on getting loans for two houses and I won't work with anyone else if I don't have to. He helped secure great rates. As a first time home buyer he offered a lot of advice. He was always very responsive. Home purchases are a big decision and James helps lower that stress for his customers by being calm, informative, and attentive. read more

My wife and I have worked with James twice - once when we purchased our home, and again when we refinanced it. His strength was his communication. James discussed our available options and patiently answered all of our questions in detail to ensure that we understood what we were agreeing to. I would definitely work with him again in the future. read more

James has helped my husband and I with two mortgages and a refinance. I could not be happier with the service he provided. James is very knowledgeable and is so easy to work with. He went above and beyond to make the whole experience less stressful. I highly recommend James Duncan from Cascadia Mortgage. read more

James Duncan is the 180° opposite of the typical paper pusher you find in the mortgage/refi business. He is knowledgeable, professional, communicative, responsive, honest and realistic. And fast. My situation was somewhat complex and James managed it beautifully. Highly recommended. read more

Our experience with James and Cascadia Mortgage could not have gone more smoothly. Ours was not a simple situation and James and his team could not have made the experience less painful. read more

James was extremely helpful, fast and informative, and kept in contact with us through the entire re-fi process. Highly recommended.