James Gross - Your Home Loan Professional
James Gross
Branch Manager
NMLS #251734
Direct: 951-760-8169
Mobile: 951-760-8169
Fax: 877-260-7793
27450 Ynez Road, Ste. 320
Temecula, CA 92591
I am licensed to originate mortgage loans in the following state(s): CA

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Topic: Renovation Lending - Take Advantage of Renovation and Rehab Loans Instead of Credit Cards
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James Gross

Your Branch Manager in California

As a Prospect Mortgage lending professional, James Gross is knowledgeable about a wide range of different loan programs in order to serve your unique needs and financial goals. Whether you're making a first time purchase, a second home purchase or looking to refinance, James can help you.


James is also an expert on 203k Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.


The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible as well.


James values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.


Please contact James Gross if you’d like more information about our Renovation Loan, or any other mortgage financing solution. We offer other  Renovation Mortgages – including HomeStyle® Renovation and HomePath® Renovation Loans – to meet the needs of our borrowers for primary residences, second homes and investors. I look forward to working with you!


What are people saying about James Gross?
"James Gross and his team did a wonderful job with our clients!"
- Ashley Thomas
  Murrieta , CA
"James Gross and his wonderful team are without a doubt the best lenders in Southern California. You can quote me on that."
- Sean O'Neil
  Lake Elsinore, CA
"Your team was awesome and would like to work with you again!"
- Christina Banaga
  Murrieta , CA