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Hello and thank you so much for visiting my site. Before I was offered the opportunity to originate loans, I spent over 10 successful years as a Realtor with the top Real Estate Company in St. Louis. That really adds a unique expertise to the tools and programs found here at USA Mortgage, the top Mortgage Banker Company in Missouri.
Then and now, my specialty was working with first time buyers. The majority of the people I help have never owned a home before.

It seems the Media is determined to discourage people from pursuing the American Dream with all the doom and gloom. Things just aren’t that bad. There are several programs out there that still offer 100% financing. Interest rates are at an all time low and home prices are excellent. We have the tools and the programs to help make your dreams come true.

Browse my website, use the tools and if you have any questions or need to get pre-approved please don’t hesitate to call me.


NMLS: 237661
Company NMLS: 227262
Illinois Residential Mortgage Licensee


Contact Information
James Gardner
Loan Officer
Direct: (314) 452-7552
Office: (314) 628-2140
Email: Send Email
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James Gardner, Loan Officer
USA Mortgage
12140 Woodcrest Executive Dr., Suite 350, Saint Louis, MO  63141
Direct:  (314) 452-7552
Office:  (314) 628-2140
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