Contact
Let’s talk about your situation.
However you want to start, I’m the one who answers. No call center, no script, no pressure — just a real conversation about where you are and what would help next.
Three ways to start
Ask a Question
Not sure where to start? Write your question the way you would say it out loud and I will answer it personally. Free, and no credit pull.
Ask your questionStart the Appropriate Application Process
Ready to move? This is where an application begins. It opens my secure application in a new tab, and I will guide you to the right starting point for your situation — there is more than one path, and picking the right one first saves you time.
Begin my applicationFastest way
Call or text me directly
(313) 422-1327Texting works just as well as calling. If I miss you, I’ll get back to you the same day.
Prefer to write? Use the form on this page — every message reaches James personally, along with a text to his phone.
Hours of operation
- Monday – Thursday
- 10:00am – 7:00pm
- Friday
- 10:00am – 5:00pm
- Saturday
- By appointment
- Sunday
- Closed
Evenings and weekends by appointment — just text me to set a time.
James CoxLoan Factory
The Loan Strategist
James Cox, Mortgage Loan Originator, NMLS #2134648
Serving Wayne, Oakland and Macomb counties, Michigan.
www.jamescox-myloanstrategist.comNMLS Consumer Access
Equal Housing Lender
A different starting point
Already Talked to Another Lender?
Before you assume your financing options are exhausted, let us help you understand what questions to ask and whether a personalized review makes sense.
Being told no by one lender is not the same as being told no by every lender. Different programs, different requirements and different circumstances genuinely change the answer — and the most useful thing you can bring me is exactly what you were told, in whatever words you remember it.
- Understand the reason you were given, in plain language
- See whether a different program or approach fits your file
- Know which questions to ask before you apply anywhere else
- No pressure, and no cost to have the conversation
I can't determine through this chat whether another financing option will be available. James can review your circumstances and discuss what may be worth exploring.
What happens next
Three steps, and none of them cost you anything.
You reach out your way
Call, text, email, or send the form. Whatever is easiest for you — and if you are not sure which of the three options fits, pick the first one and we will work it out together.
We talk it through
I call you back and we look at your real numbers: what you earn, what you owe, what you have saved, and when you want to buy. No credit pull happens just because you got in touch.
You get a clear next step
Whether that is starting an application, a short list of things worth working on first, or simply knowing where you stand — you leave the conversation knowing something you did not know before.
My Loan Strategist is run personally by James Cox, The Loan Strategist, a licensed Mortgage Loan Originator (NMLS #2134648) serving Wayne, Oakland and Macomb counties. Loans are arranged through the sponsoring brokerage, Loan Factory (company NMLS #320841). This page is informational only and is not a commitment to lend. All loans are subject to credit approval and program guidelines.
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