About James Ream
When you’re making one of the biggest investments of your life, you want to work with someone you can trust. As your lender, I’ll always have your back.
As a loan officer, I thoroughly enjoy helping people realize their dream of homeownership. I am happy to be working with HomeSale Mortgage, your local mortgage company. As a local lender, we’re able to provide our clients with quick processing and underwriting, excellent service, and on-time closings.
I was born and raised in Sinking Spring, PA, where I currently reside. Outside of work, I’m an avid dog lover and enjoy spending time with my English Springer Spaniel, Matilda. I’m also a huge Philadelphia sports fan with the 2008 World Series win and Super Bowl 52 being two of the most favorite moments of my life! I enjoy exercise and staying physically and mentally fit too!
Whether you are purchasing your first home, an investment home, refinancing or just need mortgage advice, give me a call or book a meeting below!
Client Tools
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Our calculator tool helps your better understand your budget and home eligibility by giving you an estimated monthly payment based on purchase price, current loan rates, and loan terms.
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- *Estimated, not including taxes and insurance.
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Our professionals are ready to assist you with a personalized estimate, tailored to your specific wants, needs and situation when you're ready. Let us help you finance with confidence.
* The figures shown are estimates and are subject to change based on a more thorough review of your needs, choices, and credit history. The payments shown do not include other expenses you will incur as a homeowner; such as taxes and insurance. For an even more accurate quote, contact a loan officer.
The default interest rate is the Freddie Mac Weekly National Average for a 30-year conventional mortgage as of 01/08/2026. Read More
Actual figures will vary based upon market conditions and a more thorough review of your needs, loan choices and credit history. Please note that the interest rate is different from the Annual Percentage Rate (APR), which includes other expenses such as mortgage insurance, and the origination fee and or point(s), which were paid when the mortgage was first originated. The APR is normally higher than the simple interest rate. The payments shown do not include other expenses you will incur as a homeowner; such as taxes and insurance. This is an estimate. For a more accurate quote, speak with a loan officer. This calculator is a tool and is not intended as an advertisement.
James's Featured Articles
CASH HOME PURCHASE? Get money back through Delayed Financing!
Preparing for Homeownership
Reasons to Use a Local Lender
Do’s and Don’ts of the Mortgage Process
Contact James Ream
Whether you're in need of a mortgage or simply looking for advice, I'm happy to help. Let's connect!
Areas James Serves
I’m available for all your mortgage needs in the following states: