Hi! My name is Jim Cefaratti. Thanks for taking the time to !oak at my personal site. I know that buying or refinancing a home is the biggest financial decision of my clients' lives. That's why I make a point of consulting with my clients throughout the entire loan process, so they are well educated and active participants in the transaction. I am licensed to originate Purchase and Refinance loans in multiple states across the country. have excelled in the industry for more than 20 years and have a deep knowledge of all products and how to best match them with my client's short-and long-term needs. I have a very loyal client base that has stayed with me throughout their homeownership years while referring their closest family, friends, and co-workers to me for my professional, dependable, and knowledgeable customer service and personal attention. I also am a seasoned executive in the mortgage industry, with an extensive understanding of the product guidelines and this experience has helped me deliver nothing short of world class customer service to each and every one of my clients no matter what their needs are. I take pride in doing what is best for my clients and their families. I am a proud father of 3 beautiful daughters.