James Loud
Mortgage Loan Officer
NMLS# 670750

James Loud

Mortgage Loan Officer
NMLS# 670750
Call: 949.363.3022
Fax: 888.500.6374

Primary Location

30000 Town Center Dr
Laguna Niguel, CA 92677

Home Loan Calculators

Our handy calculators let you estimate your monthly payments, find out how much house you could afford, and more.

Mortgage CalculatorsHome Equity Calculator

Discover what kind of loan you could qualify for.

Our online system makes it fast and easy.

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About Me

No matter where you are in the home buying process, I can help. As a mortgage loan officer right here in Laguna Niguel, I work with you to help find the right mortgage for your unique situation. You probably have lots of questions. How much house can I really afford? Are there special mortgage programs for people like me? I have the resources to answer questions like that and I've worked with lots of people in and around Laguna Niguel with home financing needs similar to yours.

I'm proud to work for a reputable bank like U.S. Bank, and you can trust me to do what's right for you. So give me a call at 949.363.3022.

Discover what kind of
loan you could qualify for.

Our online system makes it fast and easy.

Get Started

Education

First-Time Homebuyer

First-Time Homebuyer

When you apply for a mortgage at U.S. Bank, buying your first home could be right around the corner. We can teach you about the home loan process, discuss our mortgage products, and show you online mortgage calculators that can help you compare interest rates and monthly payments. Call (949) 363-3022 to make an appointment today.

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Refinancing a Home

Refinancing a Home

Are you looking for a way to decrease your debt? Refinancing your home loan with U.S. Bank may be the solution you’re looking for. Whether your loan is from U.S. Bank or a different financial intuition, you can apply for cash-out refinancing so that you can access the equity in your home. Call (949) 363-3022 to make an appointment with one of our mortgage professionals.

Refinance Your Home

VA Home Mortgages

VA Home Mortgages

The VA Home Loan Guarantee Program is an initiative intended to help service members, veterans, and eligible surviving spouses secure favorable terms on home loans or mortgage refinancing. At U.S. Bank in Laguna Niguel, we may be able to help make home ownership affordable for you. Call (949) 363-3022 to learn if you will be eligible for benefits like lower monthly payments and a streamlined application process.

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Building a Home

Building a Home

If you’ve decided not to search for the perfect home, and are going to build it instead, there’s still one search ahead that you’ll have to deal with—finding the right builder. At U.S. Bank, we can do more than just guide you through the home financing process, we can also provide helpful tips about choosing a home builder. Call (949) 363-3022 to learn more.

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Understanding Your Loan Choices

Understanding Your Loan Choices

Ready to cross the threshold of your new home? At U.S. Bank in Laguna Niguel, our mortgage professionals can help you choose the right home financing option. Whether you want to put more down, so that you can have lower monthly payments—or vice versa—we have several mortgage choices for all types of buyers. Contact us at (949) 363-3022 for more information.

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Buying a Home

Buying a Home

Whether you’re ready to purchase your first house, relocating to a new area, U.S. Bank has a mortgage solution that can meet your needs. From prequalification to closing on your mortgage, we’ll be with you all the way. Contact me at our Laguna Niguel location at (949) 363-3022 to discuss your mortgage loan options in person.

Buying a Home

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