St James Mortgage Corporation of Pontiac

St James Mortgage Corporation of Pontiac is a mortgage lender in Pontiac, Michigan, located at 42676 Woodward Ave. The company specializes in conventional mortgage lending in Michigan and holds a rating of 4.70 from customer reviews. It is a direct Fannie Mae lender licensed to use Fannie Mae's automated underwriting system, which supports fast approvals within minutes and requires little supporting paperwork. St James Mortgage Corporation offers a full range of conventional mortgage programs, including 30 year, 15 year, and 10 year fixed options with no points and no closing costs. There is no application fee, no charge for escrow waivers, and no prepayment penalties. Rate locks are available at the customer's option, and an automated payment plan is offered. The company is locally owned and makes and services its own loans, so borrowers are not immediately sold off to an out-of-state servicing company. When rates fall, refinancing is straightforward because the necessary information is already on file. A professional mortgage loan servicing department handles ongoing customer relationships, and the company reports a high level of repeat and customer referral business. St James Mortgage Corporation operates under NMLS ID 129808 and serves Michigan customers who want a continuing relationship with their lender.