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James starts with the simple philosophy - "Do what's best for the client every single time." This means taking a consultant approach to mortgage lending. Every client of will receive an in-depth consultation so the loan is packaged to meet your goals.

"It's more than a loan, it's your dream. You are more than a client your are a friend."

James Ricks




James married his bride, Pamela, in 1990. He graduated from Lamar University in 1994 with a BS in Marketing. James is a family man with strong Christian values. He has 3 kids, Hunter, Tori, and Gunnar, and currently lives on a few acres in Magnolia, Texas. 

James has a passion for God, family, and fun. In his time away from the office, you are likely to find James hanging out at a family crawfish boil or somewhere out in the outdoors. He could be hunting in a foreign country or in local dove field. He may be fishing a local bay system or in Mexico chasing billfish in the blue water.

On any given day James can be with his family, leading a bible study, helping clients, or teaching a room full of realtors. James cherishes great relationships and having fun with those around him.

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James has been in the mortgage business for 18 years and has owned his own company for 16 of those years. He has helped hundreds of families get into their dream home. James takes pride in the way that he takes care of his clients. To view reviews from a few of his past clients click here.



James was transparent and honest throughout the transaction. My loan process was seamless with no surprises. James was available with advice and feedback whenever I needed it. His wife Pamela is AMAZING and I cannot thank her enough for all of her help. I 100% feel assured that James and his group went out of their way to make sure I received the best loan and closing experience they could make possible.


Pamela Labay

/  Satisfied client  /