James Wheeler, Mortgage Professional (I G Lending)

2102 W Cass St

Tampa , FL 33606

Experienced, Conscientious, Full-Time Mortgage Pro * FHA, VA, USDA, Conforming, Jumbo & More * Purchases & Refi's Throughout Florida

Get to know James Wheeler

Full range of home financing solutions. Put an experienced, conscientious insider on your side. Free consultation.

If you're a renter, and you have a job, now's the time to buy. The whole country's on sale. Get mortgage-ready and buy the home of your choice with little or no money down, using safe government loan programs. Don't be discouraged or misled by the press or anyone else. Mortgages are readily available without 20% down and without perfect credit.

If you're a homeowner, you owe it to yourself to review your current mortgage and equity. Rates are still near historic lows, and real estate values have been volatile. A mortgage and equity review can help make sure you're not paying more than you need to on your mortgage and other debts. If refinancing isn't feasible, and you're struggling to make your payments, we may be able to help you modify your existing loan to permanently reduce your payments, minimize the impact on your credit, and save your home. Being ignored or insulted by your lender doesn't have to be the end of the story. A loan modification can dramatically reduce your monthly payments to an affordable, sustainable level, and allow you to save your home.

If you're a homeowner over 62, an FHA-insured reverse mortgage is a great way to increase your financial security and help you get more out of your golden years. This safe federal program is reserved exclusively for seniors and frees you from the burden of mortgage payments. With a reverse mortgage, you retain ownership and control of your home, you can sell or refinance whenever you wish, you and your heirs keep any remaining equity, and you're guaranteed by the federal government never to owe more than your house is worth.

Please feel free to contact me to talk about your options and any questions you may have on mortgages, loan mods, and credit matters. I'm a senior loan officer and mortgage specialist at an FHA-approved lender offering conforming, jumbo, VA, FHA and other types of conventional and government loans for purchases and refinancing, as well as assistance with loan modifications and workouts.

James Wheeler's Blog Posts


First-Time Buyers: we minimize anxiety throughout the process, help you become "mortgage-ready" if necessary, and determine the appropriate price range and other parameters essential for underwriting approval and a smooth closing

Luxury Homes: experience and programs to provide high-end buyers with pleasing results and a low hassle factor, despite higher documentation requirements and the overall jump in jumbo mortgage rates

Refinancing: whether it's to lower monthly payments, or take cash out for a purchase or payoff, refinancing is worth exploring with a conscientious mortgage specialist who can evaluate your facts and circumstances in light of current market conditions

Loan Modifications: we gather the necessary information and spearhead the negotiations with your lender or lenders, using our industry skills and experience to your advantage to help you achieve the best outcome in a loan mod / loan workout to reduce your payments and save your home if possible

Appraisal Challenges: we can overcome issues such as "dated and distant" sales comps (increasingly common in slow markets) that typically lead to a slow death or outright rejection in underwriting

Tight Deadlines: same-day underwriting and rush closings still possible