James Pham Real Estate & Mortgage

Real Estate & Mortgage Guidance

Serving Tallahassee, Tampa, and Vietnamese-speaking clients

About Me

James Pham

REALTOR® & MORTGAGE LOAN OFFICER

I’m James Pham, a Florida Realtor® with LoKation Real Estate and a Mortgage Loan Officer with Loan Factory. As a Realtor®, I help buyers, sellers, and investors in Tallahassee and Tampa, Florida. As a Mortgage Loan Officer, I assist clients with financing options in Florida, Michigan, Virginia, and Texas.

Tôi hỗ trợ khách hàng bằng cả tiếng Việt và tiếng Anh, giúp giải thích quy trình mua nhà, bán nhà, vay mua nhà, thương lượng, kiểm tra nhà, và chuẩn bị cho closing một cách dễ hiểu hơn.

Real Estate: Tallahassee & Tampa, Florida
Mortgage: FL, MI, VA & TX
NMLS: #2633990

LoKation Real Estate & Loan Factory

Who I help

Helping buyers, sellers, investors, and Vietnamese-speaking families make confident real estate and mortgage decisions.

First-Time Buyers

Step-by-step help from pre-approval to closing.

Sellers

Pricing, preparation, marketing, negotiation, and closing support.

Investors

Rental-property guidance, numbers review, financing strategy, and market research.

Vietnamese Families

Bilingual support in English and Vietnamese.

Real Estate Services

Realtor® services for buyers, sellers, and investors in Tallahassee and Tampa, Florida.

1. Buying a Home

Guidance for first-time buyers, move-up buyers, and relocation clients from the first consultation to closing.

2. Selling a Home

Help with pricing strategy, preparation, marketing, offer review, negotiation, inspection, appraisal, and closing.

3. Investment Properties

Support for investors reviewing rental potential, property condition, financing options, numbers, and long-term strategy.

4. Out-of-State Buyers

Virtual consultations, video tours, market research, offer guidance, and remote closing coordination when available.

5. Offer & Negotiation Strategy

Clear guidance on offer terms, seller credits, repairs, inspection results, appraisal issues, and contract timelines.

6. Closing Support

Coordination with lenders, title companies, inspectors, insurance agents, and other parties throughout the transaction.

Mortgage Services

Traditional Home Loans

Conventional, FHA, VA, and USDA loan options for eligible buyers purchasing a primary residence, second home, or qualified property.

Investor Loan Options

DSCR loans, investment property financing, hard money, bridge loans, and other options for real estate investors.

Self-Employed & Alternative Income

Bank statement loans, P&L loans, Non-QM loans, and flexible documentation options for eligible self-employed borrowers.

Specialty Loan Programs

Foreign national loans, HELOC/home equity options, 2-1 buydown options, and other programs that may fit unique borrower situations.

Mortgage Calculator

Vietnamese Support

1. Mua Nhà

Hướng dẫn từng bước từ tư vấn ban đầu, pre-approval, xem nhà, viết offer, inspection cho đến closing.

2. Vay Mua Nhà

Giải thích các lựa chọn vay, hồ sơ cần chuẩn bị, chi phí dự kiến, và quá trình underwriting.

3. Đầu Tư Bất Động Sản

Hỗ trợ nhà đầu tư xem xét thị trường, rental potential, numbers, financing options và long-term strategy.

Resources

James Pham

Real Estate Agent &n Loan Officer

LoKation Real Estate & Loan Factory

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