I have tried to seperate myself, from the rest of my peers within the residential finance industry, by focusing on client education.  There are too many people within my industry who are primarily driven by the short term desire to close loans and make a quick buck.  I am embracing the long term, and I am trying to make relationships to earn your business for the next 30 years.

I am practicing a theory where the education of the client comes first, and the calculated business transaction takes place after.  For the majority of you reading this - your Real Estate transactions will constitue the largest financial decisions of your life.  I believe that you generally should get a broader overview of your transaction then a 10 minutes sales pitch.

Did you know that real estate investing has created more millionaires than the stock market!  Well, it is absolutely true, and especially in today's "depressed housing market" you can make great money with the right battle plan.

Over the last 6 years I have gravitated to specialize in Investment Property & 2nd Homes.  I really enjoy educating my clients, and giving them the tools to make good business choices, in purchasing Phoenix real estate.  My client's goals range from wanting basic tax write offs, to vacation houses, to buying duplexes & fourplexes, to setting up a long term retirement plan through the management of Investment Property.  Here is a short list of what you can anticipate when you hire me to work for you.   

• I can show you ways to purchase Foreclosure, Short Sale, and Pre-foreclosure homes and take advantage of an instant equity position. 
• I can show you different methods to leverage your existing real estate to acquire others. 
• I can help you with the cash flow analysis of operating your Investment Property. 
• I can show you the advantage of buying an Investment Property as a 2nd home. 
• I can demonstrate how to negotiate with the seller to pay all of your closing costs. 
• I can refer you to Real Estate Agents who specialize in only purchasing Investment property.
• I can show you how to purchase real estate at an auction.
• I can refinance your investment property or second home.  
• I have access to multiple portfolio & Hard Money lenders
• I can help you purchase Lots, Spec Homes, Jumbo, Super-Jumbo property types. 

If you are considering attaining Investment Property in the Phoenix Metro, please do not go to your Credit Union for loan approval.  Get a Specialist.

"Jim did a great job of demystifying the mortgage financing process, and went the extra mile to find an appraiser in our market that was knowledgeable about our neighborhood's home values (ensuring we got an accurate and fair appraisal). He also didn't just say "Here's what rate you qualify for," he showed us where we were today and provided us some very realistic action items to take care of in a few weeks to significantly improve our credit rating and our loan results. Highly recommended." May 16, 2008

Top qualities: Great Results, Personable, Expert

Paul Danek
hired Jim as a Mortgage Consultant in 2008

May 18^th, 2008

To Whom It May Concern:

My husband, James, and I have had the privilage of working with Jim Cunningham on two transactions involving refinancing our home.  We have been through the process of buying, selling and refinancing our previous home with other loan officers and mortage brokers.  All of our previous encounters with loan officers never left any special impression on us and so we feel very fortunate to have met Jim.  We have been so pleased with Jim's professional expertise.   He has been patient with all of our questions and answered them thoroughly and in a way that was easy to understand.  We feel that we have been treated honestly and that Jim actually had our best interest in mind when helping us with our transactions.  Both transactions that we made were simple, quick and went very smoothly.  I know that if we have any future needs for a mortage or refinance, Jim will be the first and only Loan Officer that we will call.

Gratefully,

Kim Wiskirchen