James Carmichael Photo

James Carmichael

Senior Vice President


James Carmichael graduated from the University of the Incarnate Word in San Antonio, Texas with a Bachelor’s degree in Business Administration with a concentration in Marketing Management, has an MBA in Project Management, and a Juris Doctor degree from Concord Law School with a concentration in Corporate Law and Taxation. Ever the student, he is also a Certified Project Manager and Certified Six Sigma Lean for process improvement. During the pursuit of education, James worked within the mortgage industry in a variety of positions. Since 2001, he has built a successful career from starting as a loan officer and working his way up through promotions and success to become a President and CEO. James continues his work today as a trusted and reliable Mortgage Banker.

With 17 years of mortgage experience, James has the knowledge and expertise to structure the optimal mortgage to help his clients achieve their financial goals. He takes the time to get to know his clients to fully understand their wants, needs, and concerns as they pursue home financing, making him a valuable resource for his clients. James strives to provide a seamless loan process, and accomplishes this through open honest communication about what is happening with his client’s loans from application to close.

James lives in sunny South Florida with his wife and their 2 children. As a family, they are active in their community and volunteer for many different organizations. They all have a love for the beach and outdoors, and living in Florida allows them the opportunity to enjoy both year-round.