Mortgage Loan Originator

Chastity James

NMLS #2315974

About Me

With more than a decade in the Mortgage industry, I know what it takes to get you into the home you love and ensure it's a smooth process along the way! While I live in Shepherdsville, I'm servicing the Jeffersontown/Louisville area and surrounding communities. I've worn many lending hats throughout the years, affording me immense knowledge of how your entire loan approval process could play out. I value anyone who allows me to walk with them on this journey to homeownership, as I see the impact it has on one's financial goals. It's huge! Having a family of my own - husband, four children and my kids' partners - I understand what it feels like to own a place for all of your family and friends to gather (including my dogs Roxy and Millie!). Let's work together!

As low as
6.460%
APR¹
As low as
6.111%
APR¹
As low as
5.763%
APR¹

Have questions? Reach out to me!

Call Me

502.298.4568

Make HOME happen.

How do you feel about a rate drop guarantee? It really is a thing.2

1 Annual Percentage Rate is based on a variety of factors including but not limited to credit history, loan amount, purpose of the loan and loan-to-value (LTV) ratio. Higher rates may apply. Quoted rates are for LTV at 80% or less. Rates are subject to change without notice and are not locked at the time of application. Subject to $10 membership fee if not already a member.

30 Year Fixed Rate Example: A fixed $150,000 loan for 360 months at 6.46% APR is a $935.80 monthly payment.

20 Year Fixed Rate Example: A fixed $150,000 loan for 240 months at 6.111% APR is a $1,074.65 monthly payment.

15 Year Fixed Rate Example: A fixed $150,000 loan for 180 months at 5.763% APR is a $1,235.60 monthly payment.

If, over the course of the 24 months following original loan closing date, rates drop from the original mortgage loan rate, the loan holder may request a one-time rate adjustment within the same credit tier for which the loan holder previously qualified. The loan must remain as the same type and term as the original loan. Adjustable Rate Mortgages(ARMs) and Veterans Administration (VA) loans are not eligible for a reduction in rate through the rate drop program.