Rate
James Cho

James Cho

VP of Mortgage Lending · NMLS# 784929

5.0(5 reviews)
Rating5.05 reviews
Satisfied100%5 reviews

Jim, my agent, was approachable and explained the process very well. I felt that each step, whether it was through interacting with him or the online portal, was clear and easy to follow. Would recommend him for a future transaction.

John V.

Great client service!!

Austin L.

From start to finish, the team was incredible in walking us through every step. Very responsive and met us exactly where we were at in our experience.

Gene Y.

Very accurate, timely, and easy to work with.

Michael R.

James (Jim) Cho is THE BEST. He will be certain you achieve the best possible rate, explains everything very well and makes the experience smooth and easy. Highly recommend James Cho, Certainty Home Lending

Equal Housing LenderEQUAL HOUSINGLENDER
© 2026 Guaranteed Rate, Inc DBA Certainty Home Lending. All Rights Reserved. Guaranteed Rate, Inc DBA Certainty Home Lending, NMLS 2611. For licensing information, go to: www.nmlsconsumeraccess.org. Headquarters: 3940 N. Ravenswood Ave. Chicago, IL 60613 - ph. (844) 615-2955 This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. This is not a commitment to lend. Program restrictions apply. Certainty Home Lending’s policy is to treat all applicants and borrowers in a fair and consistent manner and without regard to race, color, religion, national origin, age (provided the applicant or borrower has legal capacity to enter into a binding contract), sex, marital status, disability, familial status, receipt of public assistance, or exercise of rights under the Consumer Credit Protection Act, or any other prohibited basis identified under state law.

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