With over 15 years of experience in the mortgage industry, I’m dedicated to helping clients navigate the home financing process with confidence and clarity. Before entering the mortgage business, I worked in software sales, where I developed a strong foundation in problem-solving, communication, and delivering solutions tailored to each client’s needs.
Real estate has always been a family passion, which naturally led me to a career helping others achieve homeownership. I pride myself on being direct, highly available, and focused on finding solutions for my clients. Whether it’s answering questions, navigating complex scenarios, or guiding buyers through the process, I make it a priority to be accessible and supportive every step of the way.
I especially enjoy working with first-time homebuyers, veterans, and new construction buyers, helping them understand their options and feel confident in one of the biggest financial decisions they’ll make. My approach combines deep product knowledge with a personal touch to ensure every client feels informed, comfortable, and well taken care of throughout the journey.
For me, the most rewarding part of this work is helping people turn a house into a home.
Outside of work, I enjoy spending time with my wonderful daughter, snowboarding, playing racquet sports, traveling, and managing an investment property in St. Louis.
James Randall is high energy, zeroed in and has your back. Thank you so much for keeping our interest in mind throughout the home loan process James!
Pamela V
James was a pleasure to work with and really simplified the home buying process for us. He took the burden of the financial process off our shoulders so that we could focus on finding the perfect home!
Cassandra G
This was the second home we’ve enlisted James for his services and again 10/10 service. This time the sellers wanted a 19 day close (even though we really wanted a 45) and asked James if he could make it happen. Not sure why we doubted it because him and his team are fantastic! We also went on a 10 day vacation during this period and they told us everything they’d need from us ahead of time so they wouldn’t have to bother us on vacation. We would recommend James and his team 1000 times over, every time. Thank you!
Nicole L
James was awesome! His communication was on point; he contacted me through the entire process during each update. Fantastic attitude and his care for my questions and needs was a key decision in working with him. Would recommend to anyone. -AF
Alex F
James was wonderful to work with. His guidance and expertise made the process smooth and positive!
Angela E
James and his team were great to work with. Very responsive and helpful.
Richard F
They were a huge help. Answered every question I had!
Ethan H
James was extremely helpful, knowledgeable, and supportive throughout the entire process. He kept us really well informed every step of the way. We never had to wonder what was happening or what to expect next. It was clear that he genuinely cared about helping us achieve our goal and was a true advocate on our behalf. We’re so grateful for his dedication and all the hard work he put in to make everything go smoothly!
Lindy h
We are self employed with fairly complicated financials which is always a headache through underwriting. James worked hard to smooth it out and get us a competitive conventional loan with no restrictions and without having to do mortgage insurance. We are very pleased with the outcome. I am never moving again, but if I did I would use James again - no brainer.
Lloyd H
Very good job with all the necessary items needed to carry the process on from start to finish.
Mary P
I give James Randall 5 stars! He made getting my forever home fast, easy and affordable. Thank you James Randall for all your help!
Melody D
James Randall went out of his way to explain everything to me on purchasing my first house. I definitely would recommend him mortgage lender. He's definitely your guy.
Orlando L
James and his team are amazing!!! Thank you again.
Maureen R
James and his team were amazing from the moment we reached out about needing a new home loan! He explained everything to us in detail and always kept us up to date. Such an easy home buying experience!!
Danielle M
James and Crystal are knowledgeable, efficient and kind. I am blown away at how amazing this team is. I was able to get into my new home so fast. They responded to every email every and every text around the clock. I’m looking forward to working with both of them in the future. Thank you so much to both of you.
Tiffany S
James did a great job helping me get through the process of purchasing my new home. made it as easy as possible and was always quick to respond to any questions i had.
Joseph H
James was incredibly helpful throughout my loan process—explaining everything clearly and walking me through details I wasn’t aware of. James truly went above and beyond to make sure everything closed smoothly. I’m very grateful for the support and highly recommend working with James and the team.
Chetan Kumar D
James was great, very knowledgeable, and incredibly responsive. He took the time to answer all of my questions, and always worked around my schedule.
Sophia Rivera H
Absolutely great communication
Timothy S
James was very knowledgeable and helped us explore all our options thoroughly. Thanks to James, we were able to close on time! Thanks James!
Ethan M
Great service with good communication
Petrus De V
James was amazing helping us through the whole process and went above and beyond!
Jodi W
James was incredible to work with. As first time homebuyers we felt very unprepared and had lots of question, James walked us through each step and made sure we understood what the next steps were. Highly recommend James!
Maia M
Exceptional service. James was really helpful is making us understand all the options available and make best choice.
Sasikiran D
Working with James Randall to secure financing for my first home was an outstanding experience. From the start, James proved himself to be a true professional — knowledgeable, attentive, and incredibly supportive throughout the entire process. He consistently made himself available to answer questions, explain each step clearly, and ensure I felt confident every step of the way.What set James apart was his dedication to finding the best options for me. He introduced me to excellent programs for first-time homebuyers and went above and beyond to negotiate the best possible deals. Among the three other lenders I considered, James offered not only the most competitive rates but also the highest level of service and care.At one point, we ran into a problem during the process, and without adding any stress to us, James handled the issue entirely on our behalf. Only after resolving it did he call to explain what had happened — a perfect example of his proactive approach and exceptional customer service.James made the entire home-buying experience much smoother and less overwhelming. His integrity, patience, and commitment were deeply appreciated. I would highly recommend James Randall to anyone looking for a lender they can truly trust.
Elma T
James was very informative and helpful. He found me the assistance I needed to purchase my first house. He answered all my questions no matter what time or day. I would highly recommend him.
Constance B
James was very helpful and made the entire loan process easy and stress free.
Todd & Jamie L
It was great working with James Randall I expected the financing of my loan to be too complicated I feared I might get rejected at the closing table but having met James all this became a nightmare all was done at a phone call away I can't imagine I'm a new home owner 💔 now
damaris ndiko n
The best servicesJames was patient with me
damaris ndiko n
Professional, authentic, truly the best loan officer we've EVER HAD!
Joseph R
Very friendly and helpful. Always kept me in the loop and was always available when I needed something.
Mariana S
It was very positive, everything went through smoothly, on time, and very professionally managed
Tim R
Very friendly and hands on experience with clear pathway from the quotation to the end of mortgage process. Top communication with James and with his team as well a very good third-party process awareness with all actors involved on buying a house. A "strongly recommend" is not enough. Thanks for Your commitment and for Your help in the journey James!
Jean De S
He was professional and did just what we needed:)
Barbara H
Had a great experience working with this team!
Paige H
James made it happen when no one else was willing. He was always prompt and courteous, and he made the home-buying process enjoyable.
Karen I
James was very thorough and explained things clearly, he followed up on my questions in a timely manner.
Mark R
James was great to work with! We’re first time home buyers and James made the process very easy and took time to answer any questions we had.
Gigi B
James does an excellent job of walking you through the transaction and keeps in communication with you throughout the whole process. He has your best interest in mind and has earned my trust in these matters.
Felix L
Closed yesterday! Preferred was excellent, no black hole here of where your loan stands. Clear instructions and easy to use app. The people, outstanding! James and the whole team are very knowledgeable.Next home, same team.
Alphonsus M
Great communication! And accessibility no problems!
Timothy S
James was great. He was always responsive and eager to assist in the process.
Durham B
James Randall with Preffered Rate made the loan approval process pain-free. He's not only professional but personable with a plethora of knowledge. He worked with our financial advisor to get the best rate possible. We highly recommend him!
Deborah T
James did an amazing Job. He was very easy to work with, Always responded quickly with any questions or concerns that we had. Extremely Knowledgeable and helpful navigating our options and what would put us the the best possible opportunity. We would highly recommend James Randall! Thank you!
Zachariah P
James was the most helpful in navigating us through this process! We are brand new at buying a home and he made it easy to understand and helped us with any questions we had! He gave us advice as first time homebuyers that I am forever grateful for. Very thankful he was able to help us out!
Elizabeth P
He was very helpful every step of the way
Shirley H
Lots of paperwork
Andrew H
Made the process easy. Highly recommend
Kristin B
This is Michelle and y’all did wonderful working with myself and Pete getting everything together in a timely manner being we closed and was approved in 9 days! Thank you so much for all your help! James you were phenomenal at your job and the both of us staying on top of the paperwork! Thanks again for all the teamwork! Have a wonderful day!
Peter H
Loan Programs
A bright, inviting living room featuring a blue sofa, wooden chairs, and a fireplace with logs, perfect for relaxing or entertaining.
DSCR Loans (Investment Loans)
Featured
A stunning craftsman-style home featuring a welcoming porch, modern design, and the 1% Home Loan Program.
1% Home Loan Program
Featured
Man reviewing mortgage options on his phone in a cozy living room setting.
Conventional Loans
Featured
A welcoming living room with a fireplace, wall-mounted TV, and elegant decor, ideal for relaxing and entertaining in a cozy home setting.
Down Payment Assistance (DPA)
Featured
Refinance Loan
Supporting veterans and families with VA home loan options and resources.
VA Loans
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA Loans
Happy couple discussing FHA loan options at home.
FHA Loans
Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
A smiling couple during a home renovation project, standing on stairs with construction supplies around them.
Home Renovation
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
Two workers in safety helmets working on a construction site, focusing on woodwork and project progress.
Construction Financing
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
A nurse smiling while holding a tablet, highlighting loan options for first responders, teachers, and nurses.
First Responders | Nurses | Teacher Loans
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Modern house with landscaped yard and garden.
Expanded Income Loans
A smiling woman using a tablet near a window, representing accessible loan services for foreign nationals.
Loans for Foreign Nationals
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
Comfortable living room featuring yellow armchairs, a fireplace, and a flat-screen TV, ideal for home improvement financing options.
Expanded Credit Loans
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
A woman reviews her home sale options on a tablet in a bright, modern kitchen, highlighting the Seller PreLock Program benefits.
Seller PreLock Program
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Rhyze HELOC
Beautiful blue house featuring a secure lock program for enhanced home safety.
Secure Lock Program
Refinance With Purpose
Every refinance starts with a goal. Whether you want to lower your payment, shorten your term, or access equity, we’ll build a strategy around what matters most to you.
Consolidate Debt
Simplify what you owe. Use your home’s equity to combine high-interest debt into one payment.
Lower Payments
Improve monthly cash flow. Even a small rate adjustment can create savings over time.
Get Cash Out
Access equity with intention. Turn your home’s value into funds for renovations, education, retirement, or financial goals.
Change to Fixed Rate
Stabilize your payment. Move from a variable rate to predictable payments built for long-term planning.
Refinance VA Loan
Use a VA refinance program to improve your terms, access cash, or reduce your monthly payment.
Discover your home’s value instantly.
Get a personalized home value report powered by real market data. Track equity, explore trends, and stay informed about your property and mortgage loan.
Beautiful suburban house at sunset, showcasing a cozy home with a well-maintained lawn and welcoming entrance.
A logo for Preferred Rate featuring a financial graph and a notification about interest rate drops.
We'll watch the market for you
Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes.
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How fast can I get pre-approved?
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How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
A contemporary living space with a gray sofa, decorative pillows, hanging pendant lights, and lush green plants, creating a comfortable and stylish en.
