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a Home Loan

See if you qualify for a loan and to what extent. Simple and easy without getting back and forth with your loan officer.
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Calculate just how much you need to pay with your initial value, down payment, interest rate, and loan/mortgage term duration to determine your loan and mortgage report.
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Featured

Communities

Clairemont

Clairemont is a community within the city of San Diego, CA. Its population is estimated to be more than 81,000 residents. Its location has geographical...

Tierrasanta

Tierrasanta is a community within San Diego, CA with an estimated population of 20,893. Originally, Tierrasanta belonged to the Mission San Diego de Alcalá...

City Heights

City Heights can be described as a city within a city. A very high energy vibe that offers multiple shopping centers, restaurants, and easy highway access....

Bay Park

Bay Park is an outdoor area consisting of a saltwater bay. It is home to the recreational Mission Bay Park and green large parks. Bay Park is a perfect...

CHULA VISTA

The city of Chula Vista is a suburb of San Diego, CA and is considered to be the second largest city of San Diego. It is best described as a family oriented...

Serra Mesa

Serra Mesa is a community located north of Mission Valley and Hotel Circle. Its estimated population is 24,000 residents. Made up of young professionals and...

Pacific Beach

Pacific Beach is home to daylight attractions and nightlife venues. Perfect location on the Pacific Coast near La Jolla and Mission Beach Pacific Beach...

La Jolla

La Jolla is considered a very tranquil and safe place to reside. A very family focused neighborhood that offers restaurants, shopping centers, wineries, and...

USAFC HAS BEEN Founded

By James Darby

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.
We have the widest variety of loan products available.

 

 

Some of

Our Clients

James is the best. He helped as to find our dream home and by his help, we got our home loan approved in no time. Everyday James kept updating all status process, and what we needed to complete to move forward faster. Everything was so smooth and no hassle. Less than 30 days, we moved to our beautiful home. Once again thank you to James.

• 10/24/2018 – Nora Elizabeth

I’m a first time homebuyer. James and his team helped me through the entire process. I required a lot ohand-holdingng and he was there with me through each step of the process. James helped me right away and got me a lower interest rate! It was super awesome and stress free, because he knows his stuff. James consistently performed as well as we expected. Would recommend to everyone!

• Jill C.

James is everything we had hoped for in a realtor and more! Being new to the area, he gave us a for straight-forward tour of all the neighborhoods and really helped guide us in finding the right areas to focus on for our home search. he Was immensely patient and helped us stay patient as we waded through the crazy San Diego housing market! His network of contacts is another great asset. James helped us find a great home in a great location that really met our needs! I would highly recommend James Darby to anyone venturing into the housing market and you will not be disappointed!

• Melissa M.

James Darby was such a tremendous help both in finding our forever house and getting financed to buy the house! The whole process seemed very smooth. He was straightforward, honest, and extremely knowledgeable. He is extremely accessible by phone or email which is what I personally prefer. He will answer emails sometimes in the middle of the night and I appreciate that kind of dedication! I would definitely recommend him!

• Christopher 

James was everything we needed in a realtor and more. He made the first-time home buying process so easy on us. There were plenty of issues that had to be worked out, but he managed them all and always kept us in the loop. From the first meeting, I knew he was someone we could trust for straight-forward advice. He listened to our needs, gave us direction when we were uncertain, and walked us through each step of the process. We couldn’t be happier!

• 09/27/2018 – Daniela Cardili

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