“James and his team have been closing loans for my clients for over 5 years now. Every single time, they get the job done no matter how big the challenge. And, if you are looking for financial advice, James is a great resource when weighing your loan options. I highly recommend Upward Home Loans to anyone serious about purchasing or refinancing their home.”

Lynn Sheldon

“I've worked with James Ricks on 2 occasions and both experiences I had were excellent. First was for a home loan and then a refinance. Helped make the lending process simple and streamline. Very professional and easy to work with. We'll definitely be using him in the future for any lending needs we may have.”

Jennifer Jasper

"At a time when things could not be more stressful- two toddlers, twins on the way, selling current home, and looking for a new home- James Ricks made the lending process as stress free as possible.

James explained the process clearly to us from the beginning, provided us with multiple loan options, researched the best type of loan for us financially, and was always available to answer any questions we had. 

James and his team were available every step of the way and assisted us with every question and concern we had. James made our experience feel personal and he always considered the best interest of our family first and above all. If you are looking for a lender with strong Christian values, integrity, honesty, patience, and expertise, James Ricks is the expert to trust."

Hosea Family

"As a Realtor, and when it came to processing my personal loan needs, I came to James. I have had the opportunity of working with many lenders in my lifetime, both personally and professionally. Too often there are surprises, and it's been refreshing to work with James. Pre-loan counseling, guidance through the process and problem solving are beyond exceptional. Whether he ends up representing the buyer or not, he delivers his highest advice, service and expertise as a service to the potential client. It is a system of integrity and honesty and professionalism that is unseen in this industry. I highly recommend working with Upward Home Loans on all your mortgage needs!"


Amy Town - Realtor & Client

“I was very pleased with James Ricks and his team for my refinance. He was able to get a deal done when others were not, and at a great rate. Very smooth process and easy to use website, I would highly recommend.”

Brian Jarrard

"Working with James and the team at UPWARD HOME LOANS was the best. He is very knowledgeable about the process and true professional. Most importantly James has a big heart and truly committed to his customers. He realizes that through great customer service you will be a repeat customer. I hope to use James on my next Mortgage."


Doug Tischler

“I can't imagine going through ANYBODY ELSE for our home loan! We worked with James about 3 years ago and had a wonderful experience, and we look forward to working with him in the future as well! Friendly, accommodating, patient, great followup, this company is truly the package deal!”

Jeffery Hawkins

"James is gracious, friendly, a can-do person, his staff is on the ball, and I can't imagine getting better service elsewhere. This is the third time I have worked with James and I will always go back to him because he has always been there for me."


Godfrey Hubert

"James Ricks and company were very professional and expedient working through the loan process step by step. They made recommendations based on their experience and vast knowledge. I felt very comfortable with the process. They were always prompt when I ask questions or concerns. They made the process flow easily. I will definitely recommend them to my friends and family."


Georgia McKenzie

“James has closed dozens of loans for my real estate clients and does a terrific job each any every time. I will continue to use him and refer him to my clients in the future. Thanks for being awesome and letting me rest assured my clients will be taken care of for their mortgage needs!”

Joe Mark Robinson, Realtor

"Upward Home Loans did a great job from the beginning. Very organized company. Buying a house can be stressful but Upward Home Loans made this process very easy. I'm glad they helped through this process."


Cristian Patino

“When I first signed my house contract, I never imagined the next 30 days being so smooth and everything all falling into place... well it did and I had a great team to work with. I was guided through every step and today when I closed on the house, it was again such an easy experience. I have heard horror stories of friends buying houses through other lenders. But the team I was given made every effort to keep everything on schedule. This was the fastest and most productive 30 days of my life.”

Albert Pellegrin

"Working with James Ricks and his team was a breeze. The clear to close came super fast and had no setbacks or issues whatsoever. James was also very good about responding and answering any questions in a very timely manner - he also took time to explain the features of the loan and gave advice for us as first time home buyers. We have absolutely nothing bad to say about our interaction with them."


Alejandra & Brett Snyder

"James has been an excellent lender for us and we fully intend to return our business to him in the future. He and his team were able to help us close in less than 30 days with no hiccups. He is willing to explain the process thoroughly and happy to answer any questions you have along the way. He gets to know you as a person and genuinely works to help you meet your mortgage needs. You wont find this level of service from other lenders."


Kelsey Toomey

"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

“James and his team were awesome! They were extremely helpful and minimized the stress for us through this process. Highly recommend them!”

John McLaughlin

"It was awesome working with James on my loan application and getting it done. James and his team went above and beyond the call of their job to get things done. They made the process easy and painless. They walked me through the whole process and were there every step of the way. I would recommend them a hundred times over again."


Moreno Jenero