Headshot of James Saville II

James Saville II

Loan Officer

Santa Cruz, CA Mortgage Lender

NMLS #265156

133 Mission Street, Suite 210
Santa Cruz, CA 95060
Contact Methods
tel Phone
mobile Mobile
(831) 535-3954
fax Fax


About James

I’m a loan officer with 19 years of experience in the mortgage industry. Throughout my career, I’ve helped hundreds of families achieve their homeownership dreams and have played a pivotal role in helping build generational wealth through real estate investments.

Throughout my career, I’ve become known for my exceptional communication skills, deep understanding of the mortgage industry, and ability to provide tailored solutions for my clients. I’m committed to providing you with the highest customer service and will work tirelessly to ensure your needs are met.

I’m known for being a skilled negotiator and have helped countless clients secure the right loan for their homes. As your loan officer, I’m dedicated to helping you make informed decisions about your financial future and will offer education about the intricacies of the mortgage industry. Communication promotes confidence – and I want you to feel confident every step of the way.

From our first conversation to closing, I’m committed to providing you with the tools to succeed, always being available to answer your questions, and providing personal guidance along the way. With my wealth of experience and expertise, I’ll be your trusted advisor and a valuable resource to navigate the complex world of mortgages and real estate. I can’t wait to answer your call!


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at 831-600-1582