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James Ross

Mortgage Loan Originator  |  NMLS 1869836
101 E 5th Street, Suite 202,
Saint Paul, MN 55101

Mortgage lending is more than selling loans. It’s about helping people achieve their homeownership goals. Whether that’s helping them reach a better financial position or connecting them to the home of their dreams, it’s about guiding them to the finish line.

My industry experience has taught me to take the time to understand my customers: What’s their story? How can I help them in their pursuit of a home? When I see my customers as real people with real goals, needs, and dreams, I get to match them with the best loan product and create a truly seamless lending experience.

Everyone has a story to tell. What they need is a Loan Originator who will listen, customize a loan to meet their needs, and guide them every step of the way.

I look forward to meeting your homeownership needs!

Causes I Care About

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Let's discuss this over a cup of coffee

My Favorite Restaurant

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The Perfect Pig

My Ideal Vacation Spot

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Seaside, FL

My Favorite Pastime

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Anything Competitive

The Reviews Are In

Great to work with

My loan officer kept me informed and led me through the entire process. They also worked closely with my real estate agent and the seller's real estate agent. The agents were very impressed with how often my loan officer kept them informed of where my loan stood in the approval process. Excellent service I would recommend to anyone!

Extremely helpful

Our loan officer was extremely professional and helpful. They made the process easy and they were always available if we had any questions concerning the process. We will refer Cardinal Financial to anyone in need of home financing. Five-star mortgage lender!

If the meaning of your life was captured in one day, how would you live it?

— Anonymous