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Whether you’re a first-time home buyer, looking to lower your mortgage rate, or simply wishing for an upgrade of your house, James Cecil can help you to understand the whole process in a timely manner. He will sit down with you and looking over your budget, income and savings, helping you to get a clear vision and understand all your loan options. There are many factors to consider when getting a home loan; interest rates are only one element of the complete package. James Cecil will help you consider all your loan options so you can focus on making the best decision for your needs.