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About James Clark

By searching for me online you have just taken the most important step in finding the right industry expert to help guide you through today's maze of Real Estate Lending. That important step is researching my credentials.

It is extremely important that you check the background, references and online reviews of any person that you choose to work with in the Real Estate Industry. If you are searching to find an expert in this complicated field of mortgage lending that will best represent you and your interests and act with ethics while working for you, I am your choice.

I have been around the banking industry since I was 16, and have worked in the mortgage brokering business since 1991. I started building my book of business with satisfied clients in 1997 and started my most recent company, Above All Real Estate Services, in 2008. I hold my Broker's license with the CA Bureau of Real Estate and am registered with the National Mortgage Licensing System as are required by law. I am a professional.

I have surrounded myself with the the best support staff in the industry (escrow, title, processing, banking & Realtor's), so when you choose to work with me, you also get to work with the best experts in their respective fields. I am a team player.

Most important though is that I know how to close escrows and I close them on time.
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Featured Reviews About James Clark

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Reviews about James Clark

Your Friend
5

This man knows the business of real estate loans. My wife and I have not used Jim for real estate purchase or sale. He was able to find us the best loans available at the time and he had in depth answers for every question we had, due to his knowledge and preparation. I was a loan officer- now retired- and would work for this man any time. He has business, personal, and fulfillment values that are what is needed in an industry in flux. We will use Jim for every future loan we look for. We know him by recommendation from friends who used his services. Everyone who used Jim stated that he gets things done more quickly and professionally than any other real estate professional they and now we have had dealings. He is on time, his paperwork was flawless which allows for a faster loan process. He stirkes me as one who will teach those under him, and keep on learning himself. He will also demand excellence. I cannot say enough good about this man's professional deamanor. One thing I liked although sometimes difficult to hear - was that he made no promises but kept us balanced in our expectations. He also works harder than any agent I have gotten loans from, and keeps his business on a one to one basis - in our home - when it would have been easier for him to do so on the phone. That is difficult when I know he deals with so many other customers and a family.. The best word i can use for James Clark is respect.See MoreRead Less"

James's Reply

 

Your Friend
5

I had the honor & privilege of doing business with James Clark of Above All Real Estate Services in 2009. I was 3 weeks to the close of escrow with another lender/broker, when I chose to discontinue those services due to unmet promises and unethical behavior. I needed to find someone I could depend on, trust and have my best interests at heart. It was at that time that Jim was recommended to me. The realtors thought I was crazy to switch lenders at only 3 weeks from close of escrow. After talking to Jim, I decided he was the one I wanted to help me with the loan process. It was the best thing I ever did. Jim came through for me in flying colors. He personally hand carried documents so that there would be no delays. He stayed on top of everything so that the paperwork wouldn't get stuck anywhere. Needless-to-say, he made it happen. If not for him, I most likely would have lost my home.

Not only did Jim make it possible for us to close in time (he actually finished 3 days early). He also managed to get a good rate and worked out all the numbers with me to get the best possible outcome. He thoroughly went over everything. He was easy to understand and made me feel comfortable.

I would HIGHLY recommend Jim to anyone who is looking for a lender/broker. He is extremely knowledgeable in his field. I would not hesitate to utilize his services again when needed in the future. He is the best!!
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James's Reply

 

Your Friend
5

Jim was wonderful to work with. He stayed late after work to meet with us, since we could only meet in the evening. He spent over two hours with us going over our finances and discussing with us what we could afford. He was always available to answer any questions that we might have. This may sound extreme, but if we did not have Jim on our side, our house would never have closed. It was a very complicated short sale and the most incompetent selling agents and bank. Jim put his name on the line with our lender and made sure that we got the best interest rates he would, with money back. My fiance and I could not be more grateful that he was our broker. I cannot imagine another real estate broker being as good at his job and as hard of a worker as Jim.

My parents have worked with Jim on home loans and refinances for the last 15 years, and now my brother, who just purchased a house, chose Jim to be his broker. They tell all of their friends to use him, and we tell all of our friends to meet with Jim. One of my partents' friends met with Jim but decided to go with someone else, because that person was going to give him a small portion of his commission. That decision cost him more time and money in the long run, and he openly regretted not going with Jim.
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James's Reply

 

Your Friend
5

I have known James Clark for more than 20 years. I have had the pleasure of doing business with Above All Real Estate Services as both a home buyer and in obtaining a new mortgage. His attention to detail is amazing. He takes the time to find out what you need and want and then he delivers just that!

When looking for a home he listened to what we were looking for and found us some spectacular homes to choose from. He is a master of paperwork- a needed skill in the real estate world. The contracts are long and complex and James took the time to explain everything and streamline the process.

When getting a new mortgage, James helped us navigate a crazy marketplace and find the best deal and interest rate for our loan size. He gave us checklists to help us gather the needed documents and keep the process on track. His hard work saved us a ton of money!! He advised us of any rate changes that we could take advantage of for the loan.
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James's Reply

 

Your Friend
5

James helped us with a refinance of our home earlier this year. Now, this was not the first time I've refinanced; in fact it was probably the 8th time. I've refinanced through family, through friends, through banks. Recently, though, a friend recommended James, who had done multiple refinances for him. Since I was still reeling from a terrible refinance experience through Wells Fargo 3 years ago, I decided to give James a try.

Honestly, this was, by far, the best refinance experience I have EVER had. James was fantastic! Friendly, responsive, prompt. He came to our house at our convenience. He thoroughly explained every single document. We got a fantastic rate, and completed the refinance very quickly.

If interest rates go down, I will employ James again, in a heartbeat. I recommend him to everyone who wants a fast, friendly, hassle-free refinance.
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James's Reply

 

Your Friend
5

Jim is our go-to guy for anything and everything related to real estate lending. We have successfully refinanced our home twice with Jim's help at market beating rates. We have successfully sold our home in a very short time thanks to Jim's expert advise. His services are our preferred choice because of a sense of trust he develops with his clients. He takes great time and effort to explain the nitty-gritty details of the re-fi/buying/selling process during our face to face visits which he schedules. Everything he says is 'on paper' and are delivered on time. Don't be surprised if you start to understand real estate lending and in general real estate a whole lot better after a meeting with Jim.See MoreRead Less"

James's Reply

 

Your Friend
5

James has been very helpful to me and my family many times. The best thing I can say about James is the time and patience he exhibits. He is very knowledgable and is always willing to answer whatever question I had for him and spend the time to be sure I understood. After working with a couple of other companies with my refinances, being completely confused by their lingo and signing papers in hopes I understood what I was buying, it was so refreshing and empowing to know I was making the right decision when I worked with James to do the same thing. What a relief. I will never go anywhere else - this has been since around 2007 or before. See MoreRead Less"

James's Reply

 

Your Friend
5

James has helped my husband and I refinance our home several times over the years. He is always extremely professional and very knowledgeable. I feel that James takes the time to explain every option and feel very confident in his ability to find us the best deal out there for our specific needs. We have never felt rushed or confused in any of our many meetings with him. He explains things so that we understand what is happening each step of the way. He returns our phone calls promptly and is always prepared. I highly recommend James and Above All Real Estate Services and will not think twice about using his company in the future!See MoreRead Less"

James's Reply

 

Your Friend
5

Jim has done my last several purchase and refinance loans and is a true professional. Jim is very organized, detailed and patient as he explains options, pro's and con's as well as his thoughts and recommendations. You will notice with Jim that he will not make any promises that he cannot keep. He will however, based on my experience end up getting you a better rate, lower cost or somehow save you some anticipated out of pocket money. He is a very knowledgeable and trust worthy lender who understands his products, the market, and what the best options are for his buyers. I will use Jim as long as he is willing to work with us.See MoreRead Less"

James's Reply

 

Your Friend
5

Jim helped us refinance multiple properties. Throughout all the transactions, he was professional, looked out for our best interest during the transactions, and communicated clearly, promptly, and accurately. There were a few issues with the lenders during the transactions, but he knew how to handle each one and did it in a way that minimized the amount of work we needed to do. When it comes time to refinance again, he is the only person we will work with. He has our business for life. If I could give him 10 stars, I would. He's a superstar in the real estate financing business.See MoreRead Less"

James's Reply

 

Your Friend
5

Jim has been my mortgage guy since 2001...He made the scary prospect of buying our first home in California a possibility. He got us in our home and took us through 2 additional refi's...
Jim takes the time to explain every aspect of the mortgage/refi process...I never felt rushed or questioned what I just signed...Jim has consistently made sure we were informed of the long-term consequences of our mortgage options. I am confident that we were given the best mortgage product possible in all cases.
You can absolutely trust Jim Clark. His Integrity truly does stand "above all"
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James's Reply

 

Your Friend
5

James was refered to me by a few people here in the office who had used him on numerous occassions. Based on their recommendations I gave James a call. I really appreciated the straight forward approach James provided. His numbers were the best. He put his best proposal forward the first time. His execution and timing were spot on. Follow up was promt and complete. I've since recommended James to others. He has a winning formula. I have used others in the past to refi before i knew James. they were good, but he has exceeded all others by far.See MoreRead Less"

James's Reply

 

Your Friend
5

I worked with Jim to re-finance my house and I had a great experience working with him.
He is knowledgeable about the various options that are available to you to re-finance your home. And Jim is patient to explain the options and helps out with the best option available.

He is transparent about the entire process and is reachable when you need to speak to him to clarify any questions / doubts.

I recommend his service in case you are looking to re-finance your current mortgage or if you are in the market to get a new mortgage.
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James's Reply

 

Your Friend
4

James definitely knows his business. And for a short sale, that is very important because there are quite a few landmines to negotiate around. He was always on top of everything and made my short sale very easy and painless. The feeling I got was that this was nothing more than a business transaction to him. For what was among the most important transactions of my life, I would prefer to make some sort of a connection with my agent. That said, he took care of every aspect of my sale and nailed down all the details for me.See MoreRead Less"

James's Reply

 

Your Friend
5

We contacted Jim with Above All Real Estate Services after a harrowing experience attempting to close a loan with another broker. We found out later that we had wasted months and months of time working with someone who was not even fully licensed ! Jim stepped in and made sure that with every transaction we were fully informed, the loan was as promised, and it closed in weeks ! He showed us how a professional conducts business and we would recommend James Clark without reservation !
Sincerely,
Audrey and Steve Blue
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James's Reply

 

Your Friend
5

My experience with Jim was unparalleled. Jim provided advice as we planned out my last home purchase. He found us an excellent loan program not available from other brokers, increasing our leverage. He supported us as we made offers and counter offers on 6 different properties over the span of 6 months, and diligently helped us navigate the complex paperwork demanded by the lender. Jim's knowledge of the market, deep understanding of lender processing, and his attention to detail make him an invaluable resource.See MoreRead Less"

James's Reply

 

Your Friend
5

Jim has done 2 home loans and has also done a refinancing for us and we are definately satisfied. He is very knowledgeable about the current rates and financing of homes and always gets us the best rate. He makes the tons of paperwork you need to do easy!! Jim keeps you up-to-date on the loan process and is able to get you through the process in the shortest amount of time. I have and will continue recommending James Clarke to anyone who is interested in obtaining a new or refi loan. Annette and John BeckSee MoreRead Less"

James's Reply

 

Your Friend
5

James Clark was a lifesaver when we were being bamboozled by a so-called loan officer who was doing his best to keep us from refinancing our property in Oceanside. James stepped in and found us a reasonable loan package, worked with us through all the steps, and, when it was time to sell, helped us find a solid buyer. We find James to be honest and knowledgeable in his profession and dealings with people. I would recommend James to anyone buying, selling or refinancing.
Judy Silvasi-Patchin
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James's Reply

 

Your Friend
5

Jim is very knowledgeable with mortgage services, understands / recommends a loan that is suited for his client's need and hence I approached him the second time to refinance a loan within a period of 4 years. He is very responsible, responsive (doesn't waste your time) and goes extra mile to get all the documentation completed in time to close the loan as per the schedule! I will highly recommend him to anyone who need a professional/excellent mortgage services!!! - RajSee MoreRead Less"

James's Reply

 

Your Friend
5

Jim is extremely knowledgable in all aspects of the VA loan process. He was with us every step of the way, working closely with our real estate agent to make sure the sellers had everything they needed to accept our offer and the escrow agents had everything they needed for us to close quickly. It took is 14 months and dozens of offers before we finally got a house. We couldn't have done it without Jim. We ended up closing two weeks early thanks to Jim's diligence.See MoreRead Less"

James's Reply

 

Your Friend
5

We have worked with Jim for over 13 years, purchasing and refinancing our homes. Jim is extremely professional and knowledgeable, always providing us with all of our options and educating us so we can make the right decision. He is so flexible to our busy work schedules, making it easy to get things done quickly. We feel very fortunate to have met Jim and will continue to seek his advice and assistance for many years to come.
Tim and Sabrina Chisholm
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James's Reply

 

Your Friend
5

I have had the pleasure to know and work with Jim for many years. Jim has provided excellent service to me personally and to many of my clients. His knowledge of the industry is truly amazing and his ability to explain the options sets him apart from the rest of the field.
Jim is always prepared to go outside the box and seek the best possible result for his clients. His willingness to go above and beyond is what sets him apart from his competition.See MoreRead Less"

James's Reply

 

Your Friend
5

I've bought a few houses and refinanced several times and I wish I would have known James from the gate. When I first started working with James, I could tell right away that he knew what he was doing and in the end - everything was perfect. Best Agent in the business, by far. James was there 100% in knowledge, professionalism and customer service on my last home purchase. I'm now ready to refinance and I wouldn't think of going anywhere else.See MoreRead Less"

James's Reply

 

Your Friend
5

Jim was introduced to us through our daughter who also has used Jim many times! JIm was referred to us from people who work at Qualcom. We have had Jim do 2 new homes and 2 refiances for us and they were all done quickly (30 days or less) and very efficiently. The realtors that we worked with were thrilled how organized Jim was and they also are referring clients to him! He is honest and available when you need him. I would 110% use Jim again.See MoreRead Less"

James's Reply

 

Your Friend
5

I have financied and refinancied a number of times and the experience with Jim was the best by far. He provided a competitive rate and did not waste my time by constantly coming back and asking for more information. He told me exactly what he needed and how long the entire process would take. He stopped by my house once, picked up all the necessary paperwork and signatures and completed the entire process within the timeframe he promised. See MoreRead Less"

James's Reply

 

Your Friend
5

Jim Clark's professionalism in the mortgage industry is like no other. I've had the pleasure of working with him for several years and every transaction is flawless. Jim's attention to detail and ability to always have the borrowers best interest are qualities that make him superior over the rest. Every transaction I close with Jim, the homeowner is always happy and that is a transaction I want to be a part of.

Nina Latham, Escrow Officer
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James's Reply

 

Your Friend
5

My family and I have had Jim work with us on several occasions and plan on doing so again. He is thorough and thoughtful towards the needs of clients, and it shows tremendously. While many people in our family have worked with him, my wife and I just moved into our second home from Jim, and we absolutely love it. Having someone walk us through the entire process changed it from scary to something completely manageable. Thank you, Jim!!See MoreRead Less"

James's Reply

 

Your Friend
5

I have known Jim since I was in 8th grade. When I recently moved back to San Diego, he welcomed me with open arms after 4 long years.

Jim stands above the rest because he actually cares about his customers. Simply put, his moral compass always points north, and his ethics are unwavering. If my grandmother needed a loan, I would refer her to Jim in a heartbeat!!!
/> Thanks for your support Jim.
-BradSee MoreRead Less"

James's Reply

 

Your Friend
5

Jim was referred to me by a work colleague, and I could not be more pleased with Jim's services. He is a pleasure to work with, makes the refinancing of a home mortgage a breeze. Jim is not some sales guy looking to make a quick buck, his customers remain with him, he is a straight up honest business man, and family man who you can trust. I would recommend Jim to anyone looking for mortgage services.See MoreRead Less"

James's Reply

 

Your Friend
5

We were referred to James by a friend and couldn't have been happier with his services. He has helped us with two mortgage refinances and both times the process went very smooth. Since both my wife and I work, James was very accommodating with our schedules, and made sure we understood and were comfortable with the rate and closing costs. We will definitely use James again for our next refinance.See MoreRead Less"

James's Reply

 

Your Friend
5

I would highly recommend Jim! We have worked with Jim over 4 years on several refinance activities and a home purchase. He is a true professional and with you every step of the way. He is trustworthy, explains all the details and does an excellent job at communicating throughout the loan process. We will definitely continue to go to Jim with any future mortgage needs."

James's Reply

 

Your Friend
5

James is very prompt and punctual at his services. He goes that extra mile in making sure his clients are well taken care of. For example he drives to a place near work to get documents signed.

Above all he has a very good understanding of the market and goes to lengths explaining all the loan intricacies. His advise has been invaluable in our refinancing decisions."

James's Reply

 

Your Friend
5

Working with Jim was a real pleasure. He is the quintessential professional. As first time home buyers, he walked us through the entire process making sure it was as painless as possible. Promptly answering questions and walking us through every nuance of the experience. Subsequently without hesitation we will continue to be clients of Jim Clark."

James's Reply

 

Your Friend
5

"My wife and I used Jim Clark's services for a home refinance and we couldn't be happier! Jim not only got us the best rate, but his follow through in the whole process was impressive. He made sure everything was done and done correctly. If you want a loan officer who will get the job done right, Jim Clark is your man!" Mark and Paula Johnson"

James's Reply

 

Your Friend
5

James worked with me on my third re-finance on my home loan. The whole process went very smoothly and I can definitely say that it was a much better experience than my first two refinances. We were also having our first baby at that time, so it was great that James took care of things so well (he dropped by our home for the document signing)."

James's Reply

 

Your Friend
5

We have used Jim to help us purchase and refinance several properties. He made the reams of paperwork understandable. We have worked with many different Brokers and Jim is the first one that actually cared that we understood what we were signing. He is an extremely knowledgeable businessman. More importantly, he is patient and honest."

James's Reply

 

Your Friend
5

Jim is a mortgage genius. We have worked together to refinance various properties since 1997. I found him as a referral through my workplace, and he has never let me down. He has always given me an honest account of what he can do, and he follows through...nothing hidden. I always know I’m in good hands when working with Jim."

James's Reply

 

Your Friend
5

Jim Clark is a pro whom I would highly recommend... He took an active interest in what we were looking for when refinancing and absolutely exceeded expectations. He continued to look out for our interests and found additional options for us that continued to save us costs, making the process easy and convenient every time"

James's Reply

 

Your Friend
5

James was highly recommended in my workplace. After financing our first home through James, we can see why he is a great broker. He got us great loan at competitive rate with no nonsense fees and closed the loan on time. He was on top of things from escrow to closing. He is dependable and has good work ethics."

James's Reply

 

Your Friend
5

Jim & Above All Real Estate Services are the best around!
If you are looking for an expert in the ever changing world of Real Estate and Home Loans... Jim is your guy! He is very knowledgeable and so easy to work with. His professionalism and expertise made our transactions in a re-fi quick and easy."

James's Reply

 

Your Friend
5

Jim has helped me with mortgages over the past 10 years, and has always brought me a better value. He sets a very high standard for industry and product knowledge, and superior customer service. He gets it. If you desire personal attention, and competitive products, Above All is the place to be."

James's Reply

 

Your Friend
5

Jim is great!!! He helped us sell our house in Oceanside 9 years ago. He is very professional and made it the easiest real estate sale we have ever experienced. We wish he was here in Colorado to help us sell the properties we now have. We wish him the best in all he does."

James's Reply

 

Your Friend
5

Jim is a true professional. We have used him for 2 separate purchases and he was able to help us overcome some huge obstacles that we faced as buyers. We will always use Jim (if he'll have us) and would not hesitate to recommend him to our family and closest friends."

James's Reply

 

Your Friend
5

I have refinanced with James help many times. He always gave me very good rates and there was never any surprises. Even when I was just exploring my options he gave me very accurate information on what I can afford. I will not use anyone but James for home financing."

James's Reply

 

Your Friend
5

Jim helped us with a refinance and obtaining a loan for a new home. He went above and beyond any other lender we have ever worked with to help us with our transactions. We wil definitely use him in the future and always recommend him to our friends."

James's Reply

 

Your Friend
4

James has helped me with 4 refinances. He has been highly professional and always
timely with all our interactions. He has shown unusual skill in handling complex problems.

I would highly recommend James as a consummate real estate professional.."

James's Reply

 

Your Friend
5

James was referred to my by Dr Lipham to refi my home, He contacted me regularly, and e mailed me to keep me informed, he came to my home to sign all papers. I was extremely satisfied with him performance. I have never received such good service."

James's Reply

 

Your Friend
5

James put together a home mortgage and equity line for us and it went through without any hitches.
I actually believe it was one aspect of the entire home buying process that I was concerned me the least.
Thank you James."

James's Reply

 

Your Friend
5

Jim is by far the best mortgage broker that I have ever worked with. I would highly recommend him and his services to anyone looking for a mortgage loan. His company is 5 star all the way, thanks for everything Jim!"

James's Reply

 

Your Friend
5

James was very helpful in helping me refinance my loan a few years ago. He found me a great rate, which convinced me to leave my "other" banker. I plan on using James' service to refinance my other condo soon!"

James's Reply

 

Your Friend
5

We used James to do the loan on our home. He was helpful and did what no one else could do with our situation at the time. I would recommend him in a heart beat. Prayers to your great success. Valerie Acevez"

James's Reply

 

Your Friend
5

James was extremely helpful in getting our house refinanced...he will get you the best possible option out there .James is very cordial and helps you understand the whole process , he is a great professional !"

James's Reply

 

Your Friend
5

James got me into a much nicer house than I imagined I could afford to qualify for, and I have been in love with my home ever since. He is straightforward, efficient, knowledgeable, and trustworthy."

James's Reply

 

Your Friend
5

The most professional mortgage lender I have over worked with in my almost 40 years as a real estate broker/owner. He is more knowledgeable and gives better service than any I have ever dealt with."

James's Reply

 

Your Friend
5

Jim made my refinance as sooth as possible. He's one of the most honest brokers in the business and always goes above and beyond to help ensure your refinance transaction is as easy as possible."

James's Reply

 

Your Friend
5

James Clark was referred by a relative. He is a great broker and helped us refinance two properties. He is attentive, offers good advice, and spends the necessary time to explain details."

James's Reply

 

Your Friend
5

I have been working with James Clark for almost twenty years. I always recommend him to everyone that is either selling or refinancing. No matter what, James always finds the best deals."

James's Reply

 

Your Friend
5

Jim is very friendly and accessible. Extremely honest and ethical loan officer and very knowledgable in his field . I have done two refinances with him and do certainly recommend him"

James's Reply

 

Your Friend
5

My entire family uses Jim. He always goes above and beyond the call of duty. I love that he not only takes care of business , but also takes the time to educate us in the process."

James's Reply

 

Your Friend
5

I have worked with Jim Clark on my past 2 refinances. Excellent service. He made the whole process a breeze. Also referred to one of my colleague and he had similar experience"

James's Reply

 

Your Friend
5

James is the best! He listened to our needs and found the right deal for us. He is dependable and we have many friends who rely on his expertise as well!"

James's Reply

 

Your Friend
5

Jim is very thorough. He makes sure everything is ready before submitting for approval. Once approved, the loan process moves very smoothly."

James's Reply

 

Your Friend
5

Jim has been super responsive and made the loan process so seamless. He is very knowledgeable and also work hard to find you the best rate."

James's Reply

 

Your Friend
5

We had a very positive experience in refinancing with Jim Clark and would recommend him to my colleagues and friends for sure. Thanks."

James's Reply

 

Your Friend
5

Jim is very knowledgeable, responsive and easy to work with. Jim has led us through many transactions and all were very smooth."

James's Reply

 

Your Friend
5

James helped me with refinancing my home. He is smart knowledgeable and knows both the market and how to get a great rate."

James's Reply

 

Your Friend
5

James was extremely professional and treats his customers like family! I would recommend him to anyone!"

James's Reply

 

Your Friend
4

James Clark is thorough, very helpful in closing the deal and a nice person to work with."

James's Reply

 

Your Friend
5

He helped me get my loan. Very professional and helpful."

James's Reply

 

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