629+
CLIENT RATINGS
4.99 / 5
AVERAGE RATING
53
Q1 2026 FUNDED UNITS
3X
SCOTSMAN GUIDE VA ORIGINATOR
"Talk is cheap. The numbers tell the truth"
PRODUCTION
53 funded units in Q1 2026
+96% year-over-year units · +97% year-over-year volume
VA
3X Scotsman Guide-ranked VA originator
Extensive experience helping veterans and military families navigate VA financing.
LEADERSHIP
National Sales Leader at UMortgage
Active producing loan officer who also trains and coaches mortgage professionals.
“I didn’t build my career talking about doing the work. I built it by doing the work.”
WHERE I CAME FROM
My parents divorced when I was young. My dad died in January 1986 when I was 12. I was the oldest son with three siblings, including two younger brothers. In a lot of ways, I’ve been a parent since I was 12.
At 14, I lied about my age to get a job washing dishes at a Chinese restaurant for $3 an hour. At 15, I rode my bike across town to work the grill at Wendy’s. I mowed the lawn. Hung the Christmas lights. Helped take care of my brothers. Did the shit that needed to get done.
I didn’t know it then, but those years taught me two things that have followed me my entire life:
Work matters. And nobody is coming to do it for you.
HOW I GOT HERE
I did well in school and earned an academic scholarship to college. I served a mission, which taught me how to knock on a stranger’s door, start a conversation and hear ‘no’ without being afraid of the next one.
Life after that wasn’t some straight line to success. I got married young. Became a dad in my early 20s. Sold cars and learned how to sell. Had another child. Went through a divorce. Made mistakes. Failed at things. Started over more than once.
Then in 2016, at 42 years old, I found mortgages almost by accident.
I was generating Facebook leads for insurance agents and Realtors when I started looking at the mortgage business. Somebody told me the average loan officer was in their 50s.
My reaction was basically, ‘Well shit, why not me?’
I got licensed in July 2016.
My first full year I closed 18 loans. Then roughly $10 million in 2018. $37 million in 2019. $73 million in 2020. $100 million in 2021. From 2022 through 2025, I personally closed 470 loans totaling $219+million in funded volume while taking on larger leadership responsibilities.
There wasn’t a secret.
I learned. I worked. I screwed things up. I got better. And I kept showing up.
WHY I STILL ORIGINATE
Today I’m a National Sales Leader at UMortgage.
I also still originate loans.
That’s intentional.
I have a hard time telling loan officers how to build a business if I’m not willing to do the same shit I’m asking them to do.
Markets change. Technology changes. Consumers change. What worked five years ago doesn’t automatically work today.
Producing keeps me honest.
If I teach something, I want to know it works because I’m doing it too.
Leadership means leading from the front.
WHAT I BELIEVE
VA lending taught me something bigger than mortgages.
Competence matters.
If someone trusts you with one of the biggest financial decisions of their life, you should know your shit.
If you’re going to lead people, do the work yourself.
If you make a mistake, own it.
If you don’t know something, learn it.
I’ve had wins. I’ve had failures. I’ve made money. I’ve lost money. I’ve been married. Divorced. Raised kids. Built businesses. Started over.
And I’m still learning.
That may be the most important part.
“I don’t have one lane. But everything I do comes back to the same thing: know your shit, do the work, and get results.”
MORTGAGES
I work directly with borrowers, structure complicated deals, solve problems and help people make better decisions about one of the biggest financial transactions of their lives.
VA LENDING
VA isn’t a product I occasionally sell.
VA lending has been a major part of my business for years. I’ve originated hundreds of VA loans, taught Realtors how VA financing actually works, and helped veterans understand and use the benefit they earned.
LOAN OFFICERS
Production. Referral partners. Databases. Follow up. Theme Days. Accountability. Execution. I teach loan officers the systems I actually use to build and run a mortgage business.
“VA loans are one of the best damn mortgage benefits available. The problem is too many people giving advice about them don’t actually understand how they work.”
VA lending became a major part of my business after I attended Military Mortgage Boot Camp in 2018. Since then, I’ve originated more than 500 VA loans, taught VA financing to real estate professionals, and spent years fighting the bad information that keeps veterans from fully using the benefit they earned.
3X
Scotsman Guide-ranked VA originator
500+
VA loans personally originated since 2018
2018
The year VA became a major focus of my business
“Offering VA loans doesn't make you a VA expert. Understanding the damn loan does ”
“I’m not interested in teaching theory from the sidelines. If I’m going to tell a loan officer what works, I should still be willing to prove it myself.”
I spend a significant part of my time helping loan officers build better businesses. I still personally originate because I believe leadership should come from the front.
The systems I teach aren’t complicated. Do the right things consistently. Track the work. Build real relationships. Eliminate excuses. Repeat.
THEME DAYS
Give every day a purpose.
25 ACTIVITIES
Do 25 meaningful sales activities. Track them. Do it again tomorrow.
REFERRAL PARTNERS
Build relationships before you ask for business.
DATABASE
The people who already know you are an asset. Treat them like one.
FOLLOW UP
Most loan officers don’t have a lead problem. They have a follow up problem.
EXECUTION
Knowing what to do doesn’t mean shit if you don’t do it.
FEATURED RESOURCE
A practical framework for building a six-figure mortgage business around activity, relationships, systems and consistent execution. No theory. Just the shit that works.
DON’T TAKE MY WORD FOR IT
“Marketing is what I say about myself. Reputation is what everybody else says when I’m not in the room.”
WHAT CLIENTS SAY
629+ client ratings. 4.99 average. The numbers matter, but the words matter more.
“Recurring themes across Jimmy’s client reviews.”
VA BORROWER
“We chose him based on reviews and experience with military families and VA loans, and he absolutely lived up to the reputation.”
Nikki Smith · May 2026
DIRECT + NO BS
“Jimmy turned out to be a top notch, no B.S kind of lender. He told me straight up and direct answers.”
Danny Kern · November 2022
REALTOR PARTNER
“He’s pulled my clients out of a situation where the other lender simply disappeared…and closed us in 2 weeks.”
Tyler Peterson · February 2024
RECOGNIZED BY THE INDUSTRY
“Build a reputation you don’t have to explain.”
“I’ve spent a lot of years learning shit the hard way. You might as well get some of it for free.”
Mortgages. VA loans. Building a mortgage business. Money. Leadership. Failure. Getting older. And occasionally the things nobody wants to say out loud.
MORTGAGES
Questions about buying, financing, rates, loan structure and making smarter mortgage decisions.
VA LOANS
Straight answers about the VA benefit without the myths and bullshit.
LOAN OFFICERS
Building a business based on relationships, activity, systems and execution.
LIFE + BUSINESS
Lessons about money, work, leadership, failure, discipline and things I wish I’d understood sooner.
ReAL QUestions. STRAIGHT ANSWERS. NO BULLSHIT.
“Mortgages are what I do. They’re not who I am.”
“I'm a husband. A dad. A business owner. And a guy who's fucked up enough things to have learned a few lessons the hard way.”
At 53, I’m probably more interested in what makes a good life than I’ve ever been. Family. Money. Health. Discipline. Leadership. Failure. Starting over. Getting better.
And figuring out which shit actually matters.
FAMILY
Being a husband and a dad matters more to me than anything on my résumé.
MONEY
Make it. Save it. Invest it. I wish somebody had beaten that into my head at 20.
LEADERSHIP
Lead from the front. Own mistakes. Give other people the credit.
FITNESS
Getting older isn’t an excuse to stop getting stronger.
FAILURE
I’ve screwed plenty shit up. Some of my best lessons have come from it.
LIFE
What I’m learning at 53 that I couldn’t have understood at 23.
Buying, refinancing, VA financing, complicated income or just looking for a second opinion. Let’s figure out what actually makes sense.
Want to produce more, build better systems, learn what I’m doing or explore working together?