James Reed

Mortgage Sales Manager
James Reed
James Reed
Mortgage Sales Manager NMLS #: 882176 (513) 746-5801
405 North Westshore Blvd Tampa, FL 33609

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About James Reed

I can help you refinance for just $499.
No points and No other Valley fees.

There are a lot of benefits from refinancing your mortgage but, while other banks are charging thousands to get these benefits, we’ll help you do it for just $499—no points and no other Valley fees. It’s that simple.  Refinancing with Valley could mean:

  • Lower closing fees

  • Reducing your monthly payment by lowering your interest rate

  • Paying off your mortgage faster with a shorter-term loan

          Scroll Down to apply online or call me at 513-746-5801

As of 9/23/2020, a sample $300,000 15-year fixed-rate conforming mortgage APR is 2.899% with a monthly payment of $2,054.00.  APR assumes a borrower with excellent credit, is subject to change without notice, and may be different for loan amounts above the conforming limit. The estimated monthly payment does not include taxes and insurance premiums and the actual monthly payment will be greater. $499 Refinance Program is available for single family owner-occupied homes and Valley approved condominiums with a maximum loan amount of $1,000,000 and for 2-4 family owner-occupied homes with a maximum loan amount equal to conforming loan limits. Mortgage must be in first lien position. Coops and investment properties are not eligible for this program. Other programs are available for other loan amounts and properties. Approved applicants will be responsible at closing for funding interim interest and an escrow account for property taxes and insurances, and if applicable, lien subordination fees from existing lenders. Approved applicants are also responsible for the mortgage documentary stamp tax, the mortgage recording fee, and the intangible tax (FL only). To participate in the $499 Refinance program and qualify for the title insurance re-issue rate, you must provide a copy of your existing owner’s title insurance policy for the mortgaged property.  Cannot be combined with any other offers. Customer must make automatic payments from a Valley checking account. Subject to credit approval. Additional terms and conditions apply.  An Equal Opportunity Lender


I’ve enjoyed South Florida for over 20 years because I enjoy the warm weather and the ocean. I’ve always held true to the belief that, ‘When I take care of my customers and partners, the rest takes care of itself.’  I love working for a trusted bank that has the stability of a 90 year old institution but is nimble enough to execute mortgage closings in the Florida market.

Whether it’s a Jumbo condo purchase or a construction loan, Valley gives me the great product choices and execution to allow me to serve my clients with confidence and pride.

Please call me for a pre-qualification or advice on whether it’s time to refinance.


Hometown:              Boston
Hobbies:                  Movie Buff, playing tennis
Favorite movie:        Casablanca

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