I had the distinct privilege of working with Jim Hoge on the financing and purchase of our new home, and
it is my pleasure to recommend him and his team without equivocation.
I was introduced to Jim through my real estate agent, who described him as personable, competent, and
service-oriented. At the time of the referral I was actively engaged with a mortgage broker with whom I
had worked on three previous occasions, so I was reluctant to consider starting a new business
relationship. I spoke with Jim and explained my situation; he was appropriately respectful, acknowledged
the value of loyalty and history, and offered his assistance without the slightest hint of sales pressure.
When it later became apparent that my broker wasn't up to the task of meeting our complex timing and
contingency requirements, I called Jim. He engaged immediately, completed the pre-qualification application
over the phone, provided clear and concise information, and marshaled the process. His rates were better
than I'd expected, and he offered a number of financial incentives that were sensible and meaningful. Jim's
communication was clear and guiding at every stage, and we had our loan in place well before our
scheduled closing date.
A week before closing, Jim called and, explaining that rates had dropped slightly, asked permission to try to
push through a new loan. He asked for updated bank and employment statements, offered to pay for a
second appraisal, and explained that if we didn't make the deadline, the existing loan would process as
planned. To my surprise and delight, he secured the new loan and we signed papers on schedule, at a
better rate, with no additional cost.
I cannot recall an instance where a business or an individual proactively and voluntarily provided the level
of service that we received from Jim Hoge, which can be summarized as "though I've satisfied my
obligations and secured my compensation and have confirmed that you're very satisfied with my work, I
think I can do better. I'd like to do everything again, at my cost, under a very tight timeline, so that you can
save a bit of money." That kind of service is beyond compare.
I'll do business with Jim again, and I strongly urge you to take the time to talk with him if you are
considering buying or refinancing a home. Jim is an excellent communicator, highly expert, and
demonstrates integrity, respect, and empathy with every communication. I'm honored to serve as a
reference for Jim and his team, and I'm confident that your experience will match mine. read more
