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Already talking to another lender? Under contract? Shopping a refinance? Upload the Loan Estimate they sent you, pick a time on the calendar, and get a straight, side-by-side answer — usually within the hour.
Reviewed by Jim Blackburn · NMLS #1072866 · 5.0★ across 600+ reviews
A single rate quote tells you almost nothing on its own. The same loan amount can carry hundreds — sometimes thousands — of dollars in different fees, points, and structure depending on who is pricing it. The only way to know if you are getting a fair deal is to compare your Loan Estimate against a second, honest one. That is the whole challenge: one minute of uploading, against a number that could matter on the day you sign.
Drag in the PDF the other lender sent you — page 1 is all we need. No login, no credit pull, no commitment.
Grab any slot that works. We read your numbers before the call so we are not wasting your minute.
Within the hour, you will know whether you are getting a fair deal — and where you may be leaving money on the table.
Drop in the Loan Estimate your current lender sent you and grab a slot on the calendar. We review your file before the call, so by the time we talk you get a clear, itemized, side-by-side comparison — and a straight answer on whether you are getting a fair deal.
No credit pull. No application. No obligation.
Your document is shared only with Jim Blackburn's team for the purpose of your comparison. This is not a credit application or a commitment to lend.
A quote is one number. A comparison is the whole picture. Here is what we line up against the Loan Estimate you upload.
The headline number — and the one underneath it that actually reflects cost.
Points, processing, underwriting, "junk" fees. This is where quotes quietly diverge.
Appraisal, title, escrow, prepaids — what is shoppable vs. fixed.
The real out-of-pocket number, lined up apples-to-apples.
Term, type, PMI, buydowns — whether the product even fits your goal.
Lock terms, expiration, anything that changes before you sign.
"We closed our loan within 19 days — just in time for Thanksgiving. We had gone with a different loan office first, and the rate and down payment were ridiculous. We were referred to Jim, and the experience was amazing. We got a much better deal."
"If you want to take advantage of the rates for a refinance, Jim is your man. His team got my refinance done in under 30 days, with rates beating every other company, and was thorough with state requirements."
"Jim and his team were very responsive and creative — they ran three or four different loan scenarios before I settled on the best option. Highly recommended."
Real client reviews. Individual results vary; comparisons are based on each borrower's own numbers. Reviewed by Jim Blackburn, NMLS #1072866.
Upload the Loan Estimate you already have, book a time, and get an honest side-by-side answer — usually within the hour, on the day it matters.
Reviewed by Jim Blackburn · NMLS #1072866 · Not a commitment to lend.
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We had a difficult jumbo loan scenario that most mortgage lenders were unable to close. Not only did Jim Blackburn's mortgage team close our refinance, but now we are able to pursue the purchase of our dream home in the Florida Keys.
Had a great experience working with Jim and team on a refi. Was able to do virtually everything by email and text. When an issue arose, Jim made sure it got escalated and handled properly.
This is the second loan I am doing with Jim and once again he and his team have exceeded my expectations. This time it was a multi-family unit. I can attest he provides the best possible service and gets the job done.
We were blessed to buy a wonderful home because Jim and his team "made it happen" — in record timing! But for Jim, I would have missed an opportunity to lower my rate by a full 1%. He reached out, provided the numbers and options, and guided us expertly.
Most lenders do not take the time to sit down and chat over the phone for hours like Jim does. After I applied for pre-qualification, he called and walked me through the entire process. As a first-time buyer, you get confidence knowing your lender is always accessible.
Can't say enough good things about Jim and Olga. They are a powerhouse couple: smart, organized, and TENACIOUS. His team contacted me about the amazing rates available. Every expectation I had was exceeded.
I'm an RE investor. Had multiple loan officers but one really stands out — JIM BLACKBURN. I have tons of properties and live in China with unique income (he made it work!). He called me in China at 1 AM to get information to close the deal.
We closed our loan within 19 days. Just in time for Thanksgiving! We initially had gone with a different loan office and the rate and down payment was ridiculous. Since our transaction, we've been referring Jim to anyone we know.
Run, don't walk to work with Jim. He helped us get financing when it seemed impossible — a home purchase 2000 miles away, an extremely competitive market, and being self-employed. He went above and beyond so financing wasn't a barrier to our dream house.
All aspects of the loan process went well and smoothly. I would highly recommend the Jim Blackburn Team to get the best deal and save money on a loan.
I have now completed five mortgages with Jim. He and his team are true professionals that you can count on. Numbers always spot on, accurate, and on time. I would never even consider looking elsewhere for any of my mortgage needs.
These guys are amazing! Jim's team took a chance on me although my situation was almost hopeless. They secured a loan for me (nobody else would do it) and they closed in less than 30 days! A billion thanks to everybody on the team.
Jim worked with us to secure the best rate — not only reducing our 30 to a 15, but taking cash out for a home renovation and consolidating our first and second mortgage into one. He provided many options balancing cash-out limits with the best rates.
I've used Jim for multiple mortgages and REFIs. I keep going back because he's always responsive, proactive, and has a top-notch team supporting him. I've been pleased by the rates over the years, and the closing process is pretty painless.
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