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About James

Founder USAFC Realty, Realtor & Loan Officer


A Little Bit About Me

Whether you’re buying, selling, refinancing, or building your dream home, you have a lot on your Real Estate and loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. As an experienced Real Estate and Mortgage Broker (12 + years experience in the Real Estate and Mortgage industry, Owner/Broker of USA Financial Consultants Inc. & USAFC Realty.)  I have the knowledge and expertise you need to explore the many options available.

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am 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 have available, use my decision-making tools and calculators, and use our secure online application to get started.
After you’ve applied, I’ll call you to discuss the details of your loan, or you may choose to set up an appointment with me in person.  As always, you may contact me anytime by phone, fax or email for personalized service.
CELL: 619 665 5752
BRE: 01989819
NMLS: 351513

See If You Qualify For A Loan

Fill out our secured Online Loan Sheet and we will make sure to get you and your family in the right direction. In order to see which house fits you and your family best, we want to make sure we show you houses that you may qualify for. You can send it to us at your earliest convenience within your own home – no office visit necessary! We are looking forward to receiving your loan applications.





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Reviews on Zillow


“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 … more
by misty c6846


“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. … more
by cassandra Curtis


“James was very professional, timely, and accurate with all of his interactions and paperwork. He found us the perfect home for our tastes and budget. … more
by topitz1981

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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