James Gardner

Mortgage Banker

Hello and thank you so much for visiting my site. Before I was offered the opportunity to originate loans, I spent over 10 successful years as a Realtor with the top Real Estate Company in St. Louis. That really adds a unique expertise to the tools and programs found here at USA Mortgage, the top Mortgage Banker Company in Missouri.
Then and now, my specialty was working with first-time buyers. The majority of the people I help have never owned a home before.

It seems the Media is determined to discourage people from pursuing the American Dream with all the doom and gloom. Things just aren’t that bad. There are several programs out there that still offer 100% financing. Interest rates are at an all-time low and home prices are excellent. We have the tools and the programs to help make your dreams come true.

Browse my website, use the tools and if you have any questions or need to get pre-approved please don’t hesitate to call me.


NMLS: 237661

Company NMLS: 227262

Illinois Residential Mortgage Licensee

Direct: (314) 452-7552

Office: (314) 628-2140

Email:  jgardner@usa-mortgage.com

State Licenses

State License Number Regulated Text Disclosures
Arkansas 115266
Illinois 031.0054042
Missouri 1449-MLO