About James
NMLS# 316866
Gearhart, OR

For almost two decades, James has made a career crafting loans that are catered to his clients needs, no matter how complicated. Whether you’re a first time home buyer or have been around the block, James is here to work for you. He specializes in Jumbo Loans, Conventional Loans, Construction Loans, as well as USDA, FHA, and VA, not to mention he’s an excellent communicator who puts his clients first, no matter what.


In his free time, James likes to unwind and spend time with his family. He's lived in Portland and on the North Oregon Coast most of his life and is always keen to get outside and experience all that our area has to offer, whether he’s surfing, hiking, or golfing.

What it’s like to work with James
James Folk is not only a well loved community member, but also an outstanding professional! I would not want anyone else to handle my loan. James did an outstanding job! Thank you.
Melissa E.
James was very helpful and very resourceful in explaining the home buying process to us from a lending standpoint. He was thorough and helped answer all the questions that we had in a timely matter too. We recommend James to anyone who is in the market to purchase a home.
Austin K.
James Folk went above and beyond for our clients! His communication was excellent with both our clients and me from start to finish. We were never left in the dark and he was always two steps ahead! He was always problem solving and thinking outside of the box — I would recommend him to any of my clients!!
Sarina T., Buyer’s Agent

Get started on your loan process

Start an Application

mobile title

desktop title

You’ve already applied for the loan and now you want to check on its status.

Smiling family outside new home