Headshot of James Hobaica

James Hobaica

Loan Officer

The Igbinovia Group

NMLS #2292627

Adress
7001 N Scottsdale Road, Suite 1020
Scottsdale, AZ 85253
Contact Methods
Email
tel Phone
(623) 208-4581
mobile Mobile
(602) 865-9049
fax Fax
623-208-4581
Apply Now

Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Weatherhead 100
Top Mortgage Lender badge
Mortgage Bankers Association Member

About James

I’m a loan officer working as part of a powerhouse team of customer relationship-driven professionals. I excel at clear communication and follow-up, treating every interaction as a chance to create and build relationships with my clients. Whether this is your first mortgage or ninth, I look forward to connecting with you.

Every loan begins with a conversation. That’s how I personalize home financing — by understanding your goals and priorities. You may be a first-time homebuyer or a long-time homeowner. Perhaps you are buying an investment property or planning a renovation. I offer a wide range of mortgage programs, from conventional and jumbo to FHA and VA. Together, we’ll find the one for you.

Sharing information is just as important as listening. I’m dedicated to keeping you informed about your loan’s progress while answering your questions from application to closing and beyond. I can’t wait to walk by your side throughout your home financing journey.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles

Blog

  • Couple sitting at kitchen table makes a household budget together.
    Published on

    How To Make A Household Budget

    Learn the essential steps to make a household budget with our comprehensive guide. Get started with your budget plan today.

  • Suburban home new homebuyers can purchase with lower fha mortgage insurance premiums
    Published on

    Lower FHA Mortgage Insurance Premiums Means Savings For Homebuyers

    The Biden-Harris Administration announced lower FHA mortgage insurance premiums. Find out how this can mean savings for new homebuyers.

  • Hispanic family laughing together
    Published on

    NAHREP 2022 State of Hispanic Homeownership Report

    2020 marked the beginning of large-scale, consistent market fluctuations, but despite that, the Hispanic homeownership rate has continued to rise. The National Association of Hispanic Real Estate Professionals (NAHREP) has released its annual report for 2022. Here's some key takeaways from the report.

  • A family on a tablet
    Published on

    Can You Buy a House with No Money Down?

    Saving for a down payment is definitely important, but there are alternative options if you have little to no down payment available to purchase a home. Let’s take a look at these options to see if one fits your circumstances.

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.

Resources

  • The Mortgage Process

    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

    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

    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

    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.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

Quick Contact Form

Send me a message below or give me a call at (623) 208-4581

By clicking “Contact Us” I am agreeing to receive phone calls, SMS (text messages) and emails from CrossCountry Mortgage, LLC. I expressly consent to recurring contact from CrossCountry Mortgage, or its agents, at the number and/or email address I provided regarding products or services via live, automated or prerecorded telephone call, SMS (text message), or email. I understand that my telephone company may impose charges on me for these contacts, and I am not required to enter into this agreement as a condition of purchasing property, goods, or services. I understand that I can revoke this consent at any time. Terms & Conditions/Privacy Policy apply.