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About James

Founder USAFC Realty, Realtor & Loan Officer

 

See if you qualify for a Loan!

James Darby

From A Family Of Achievers

After proudly serving our country as an Air Force mechanic, my father, Arthur M Darby, went into Real Estate. He eventually became a real estate broker and has over 40 years in the industry.

My mother was born in Piura, Peru and was a freestyle swimming champion of Peru and South America. She later went on to build her own brand of clothing and sold her designs all over Peru. She is now a Real estate agent and we work together as a team.

My grandfather was a pilot and a business owner. He built an empire in the north of Peru and treated every employee as if they were his best friend. His stories are amazing – he even set up the first movie theater in the north of Peru for his staff.

Adapting Makes Us Stronger

I grew up in Jacksonville, Florida and moved to Lima, Peru near my 7th birthday. I had to learn Spanish and adapt to a new culture. My mom was always working, and I spent my years playing soccer outside, riding BMX bikes, and doing what I loved the most—Surfing.

At 18 I left Peru and traveled to Florida, following my dad’s advice to join the military. My English was bad at this point. But after a year back in the States, I passed my ASVAB test with over 80% and I was able to choose the city where I wanted to do my military schooling. I chose San Diego, California because I knew there would be good waves!

How I Got My Start In Real Estate

After my time in the service and attending Mira Costa college, I landed a full-time job at a law firm. Shortly after the mortgage crisis hit in 2007-2008, I was helping homeowners keep their homes at Pacific West Financial.

$5000 Turned Into A Million

In late 2008, I decided to open my own company and really help homeowners. I partnered with a real estate broker friend and opened USA Financial Consultants. He gave me $5,000, trusted my plan, and left on vacation. I rented an 18 cubicle, 5 office space with a conference room and placed college books in every cubicle to make us look like we were bigger than we were at that time. Then, I purchased a printer, scanner, fax machine and with the $1,000 I had left, purchased a segment on the radio. I advertised that I could help save people’s homes and that we did not charge until we successfully helped save their home.

We made a Million dollars gross the first year and we had a full office by the second year. I implemented my insurance business and we rocked it till this day. USAFC has been open for over 10 years now and I am lucky to have an amazing staff of Realtors, Loan officers, managers, and customer service operators. Together, we are dedicated to helping homeowners achieve their goals and dreams by buying, selling, or refinancing their homes.

Whether you’re buying, selling, refinancing, or building your dream home, you have to trust your Real Estate agent’s abilities. As an experienced Real Estate and Mortgage Broker (who has over 12 years of experience in the industry), I have helped thousands of families purchase the home of their dreams.

I want to help make this process as simple and easy on you as possible, and I’m committed to providing my customers with mortgage services that exceed their expectations. I hope you’ll browse my website, check out the different loan programs I offer, use my decision-making tools/calculators, and use our secure online application.

After you’ve applied, I’ll call you to discuss the details of your loan. As always, you can contact me anytime by phone or email.

 

CELL: (619) 665 5752

DRE: 01989819

NMLS: 351513

 

Check out My Video

What Our Clients Say About US

I highly recommend USA Financial Consultants. All staff is professional, courteous and helpful. James Darby went out of his way to ensure our experience in buying a home was seamless. We were always given several options for any obstacles that may have come our way. Their kind and caring attitude towards myself and husband made me feel like family. Pleasantly surprised when a company gives 110% in order to give their clients the best experience possible.

  • Carole L.

James did a fantastic job helping us find a home in San Diego. We are out of state buyers and James was very organized and thorough in his suggestions of houses to look at in very short time frame. Over a two day period we were able to see many homes and after having our offer accepted James did an excellent job with the inspections and making sure everything would close in a timely manner. We back flew into town 11 days after our offer was accepted and James met us at our new home with the keys in his hand. James continued to help us with various resources after the sale closed and I’m sure would continue to help with any questions we have.

  • Stephanie.

We couldn’t have asked for a better realtor in buying our first home! We wanted to make sure we had someone we could trust and James was that person. He fought hard for us to get the home of our dreams and made sure we got a good deal. He was super responsive from the get-go and provided us all the answers we needed in our list of many many questions as a first time home buyer. Along with his excellent negotiation skills and deep knowledge in real state, James is a good person, very nice to work with and honest. Cannot recommend him high enough!

  • Cassandra C.

James and his team helped me and my wife patiently find a home that was just what we wanted. They are super helpful and really on top of things. I like that they use electronic signing for the housing process, it’s much quicker than the old way. I recommend them. Clean and professional office too.

  • Kevin M.

James is amazing to work with. He is very professional and really knows his business. We just closed on our home and we are so appreciative of how thorough he was before he submitted everything. This saved so much potential headache at the end. What we liked most about working with James is he never once told us what we qualified for during the pre-approval process, it was more about getting you into a home that you can actually afford. He knows all the ins and outs of the whole process which in turn made us feel at ease as this can be such an emotional process/life event. HE was top notch and we would highly recommend him!

  •  Tracy F.

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