It was a great overall experience and I am very thankful for everyone who was involved and helped me through this whole process.

Austin R
Baltimore, MD

James is an excellent Loan Officer in Baltimore City. His experience and knowledge of all the city programs made our home buying that much easier

Baltimore, MD

James provided incredible service throughout the whole lending process. He was able to secure a fantastic market rate for us and walked us through the entire process as it progressed. Our loan was also processed timely and accurately. I would definitely recommend James and his team for any and all lending services.

Perry Hall, MD

James was recommended to us by a friend who had purchases his home last year. James was very responsive - answering emails very quickly and being willing to talk on the phone to explain anything whenever we had questions. He was patient with our process in buying our home, as it took much longer than anticipated due to some terms needing to be negotiated with the seller, and then he helped expedite things when some last minute business travel plans interfered with our determined closing date. James was easily the most knowledgeable and helpful professional we dealt with throughout our home buying process.

Lorin S
Columbia, MD

James has been a pleasure to work with! My boyfriend and I recently purchased our first home together. Not knowing anything about the process, James made sure to walk us through every step of the process! Not only did he make sure we understood everything, he made sure we were getting the best deal possible. I would highly recommend James to everyone! If we had to buy a home again, James would be absolutely be the lender we work with again

Stephanie Ford
Baltimore, MD

James was amazing to work with. He made the process simple and got me the best rate out of everyone contacted. He was always available to talk or text over the phone which was great for my busy night shift schedule as a nurse

Baltimore, MD

James was absolutely amazing. He made the whole process so seamless and answered every question i had in details. He really made me realize that buying a home isn’t a difficult task if you work with him. In fact, I was quite impressed how easy he made everything for me. I highly recommend him to anyone purchasing new house. Many thanks James!!!

Sebi M

Ryan was so easy to work with. I was a first-time home buyer and did not understand how the whole process worked. He patiently walked me through each step of the way, answered every question I had within minutes, and made me feel extremely comfortable with the process. Ryan was courteous, professional, but also made me feel like a was working with a friend. Do not hesitate to contact him! You will not be disappointed.


Great guy. Easy to work with...Extremely professional...Highly Recommend...Ryan always kept me up to date with where my refinance was in the process. He always answered any questions I had in a timely manner...


James was very helpful with our lending process. He was calm and always quick to respond with any questions or concerns I had. I really appreciated James' help with our recent home purchase. I would definitely use James again in the future.

Stacy P

My fiancé and I just bought our first home and were so happy our real estate agent recommended James. Not only was he patient with all of our questions but he actually got us a better deal than we were expecting.

Meaghan V

We were lucky to meet James at an open house and were impressed right away by his knowledge. At first we went through the traditional route of going through a bank - this was long and cumbersome and riddled with delay. After reaching the last straw we turned to James and he was happy to pick us up as his client. James streamlined the entire process for us, only called or emailed when he needed something from us and was able to handle everything on his own. It was great because he took the lead and kept us informed throughout the way. He made signing every document super easy, and was super flexible when we couldn't make an appointment we were able to sign everything online. James was perfect for a first time home buyer like us because he was fimiliar with the area and knew all the ins and outs for breaks. It was a great pleasure working with James and highly recommend him to anyone!

Marc M

James and his team are clearly on top of their game. He was able to secure me a competitive rate and made what can be a complicated process smooth and painless. Thanks James


Working with James ran smoothly from start to finish. We received constant updates and was never unaware of what was going on during the loan process. We look forward to working with James in the future and recommending his services to all of our friends.

Michelle W

Everything went very smoothly from start to finish. We werent even considering buying a house and purchased and moved in in under 2 months. Thank you!

Jon C

James Walls was with me from the inception of my loan to the end. He was direct, professional and quick to respond to all of my concerns, even responding after hours, including very early in the morning on the weekend when my father and I were with a banking officer and needed his assistance. I highly recommend James, and consider myself fortunate to have had him as my lender.

Rosemary P

I would HIGHLY recommend James to anyone looking to purchase a home or refinance an existing mortgage. With our refinance, he went above and beyond to make the process as simple and enjoyable as possible. It's unusual to ENJOY a refinance process but with James, that is to be expected. It was fun and we are thrilled to be saving money each month! As someone in the real estate industry myself, even if you're currently working with someone else, I would HIGHLY recommend reaching out to James to see if what he could offer would be competitive. He's the best!

Alexandra D

We received our home mortgage from James & his company. I had shopped around loans and he was quick to match all offers and was very helpful in finding adjustments to help lower our financing.

Ronak A

Buying a home can be stressful but working with Ryan made our home buying experience a breeze! Ryan was supportive and an excellent resource during our search for a new home. I am extremely "picky" on choosing the right person for the job and there was no doubt that Ryan was the right person! Ryan was always available when he needed him and went above and beyond his responsibilities. There are not enough words to express how positive our experience was with Ryan. Let me put it this way...I rarely write reviews but after working with Ryan I felt it was important that others know of the excellent quality of work that Ryan provides. If you are searching for a lender, there is no need to look any further!


I initially worked with Ryan on my first time home purchase. I worked with him a second time during a refinance. Ryan was patient with me while I asked a million questions over the months of my new home search. It was important to me that Ryan asked me questions to better understand my experience and knowledge of home purchasing process. This way, he was better able to introduce all the information I needed in order to comprehend what I was doing. From there, he helped me figure the best financial path for my home purchase. Two years later, I worked with Ryan on a 203k loan to refinance and rehab my purchased home. The 203k loan process is a tough one. Many lenders don't like working with 203k's (or contractors for that matter). Ryan stuck through it with me, guiding me and willing to help at any time. It was important to me to have great communication and enough cannot be said about his. We set expectations, forecasted deadlines and completion times, and just stuck to our path to make everything work smoothly. I would 100% recommend working with Ryan.


James literally was available anytime I called him. Extremely knowledgeable, helpful,and patient. Professional and willing to go beyond our expectations. I would be a reference for him anyday. My husband and I have referred him and will be using him again soon.

Nicole T

I can't praise James enough! He made the process of buying our first home pain free. James was incredibly helpful in getting us qualified for the best mortgage possible, and provided great advice on how to maximize our credit scores. I am very thankful for how professional, responsive, and honest James was throughout the home buying experience. James responded to all of our questions quickly and fully. I am grateful that James was recommended to us from a friend, and I now recommend James to everyone I know for their home purchases. I will not go to anyone else for my mortgage needs in the future, and I recommend that you allow James Walls to meet all of your mortgage needs as well!


James did a fantastic job with my purchase. He was thorough and timely with all matters pertaining to the loan. Whenever I had a question, he would respond in a very reasonable fashion. I will definitely use him in the future and recommend to anyone who needs assistance.

Greg S

When my fiance and I decided to purchase our first home, we were unsure of where to start. Luckily, we met James! From the first time meeting with him, we knew we were working with a knowledgeable and trustworthy loan officer. His patience and willingness to go above and beyond to get us the best rates were so helpful to us as first-time home buyers. He worked quickly and was always available to answer any questions we had. We will definitely recommend him to any friends or family looking to purchase a home.

Max M

My boyfriend and I had started the daunting process of purchasing our 1st home in December 2017. We found a realtor relatively quickly but I was nervous about finding a lender because we had been misled by another lender who took our information, ran our credit and took too long to follow up with us. Our realtor suggested we connected with James Walls with Secured Funding Corporation. We told him about our unfortunate mishap with the previous lender and immediately got to work on a house we wanted to put an offer on. James was thorough, precise and he always kept in contact with us via text/email if there were any changes to our loan and gave us phenomenal advice even after we closed! Most importantly he was also so patient with me when I asked him probably 20 million questions about the process! I couldn't recommend a better loan officer. James will always be straightforward with you and get the best deal. Thanks again James !

Emily K

James was instrumental in my boyfriend and I purchasing our first home! When we found our perfect first home quicker than expected, he introduced us to a 1% down loan program that allowed us to secure a loan for the home, sweet! Throughout the process, he was extremely communicative and handled all hiccups with ease. I can't imagine buying another home without his lending expertise!

Ashton M

After I planned and calculated, I contacted James and received a much better rate than expected. I decided to reset our budget and look at homes I had ruled out. James was quick to provide accurate quotes for each property I was interested in. This made it possible to make an offer on our new home within hours of a contract on our old home. In under 45 days we sold our old home and he worked diligently to meet our expedited closing date. He prepared us for all the hurdles in the process and was knowledgeable whenever we had questions. There were no surprises at any point in the process and we purchased a home better than we ever imagined. If you’re seriously ready to make a purchase, call and get your rate!


James is a hard working and extremely competent financing wizard. He carefully weighs the best options for your situation; he’s a great communicator; and he works fast and with accuracy. Importantly, he is very reliable and ethical, two qualities that are absolutely essential in someone who is helping you make decisions about your money. I would use him again and he has my highest recommendation.

Kali A

James was great to work with. He helped us lock in a lower rate than expected! He was proactive and made the lending experience very easy. Definitely recommend!

Stephen B

Listened to our family's situation and came up with multiple recommendations. Ultimately, Ryan helped us understand each and find a perfectly fitting mortgage with outstanding attentiveness through the whole process. Not influenced by other stakeholders and focused on our best fit. Extremely polite and helped in all aspects of the buying process. Even answered questions about our sale transaction. Top notch guy all around.


Great experience overall, closing went perfectly and was very happy with the service your team provided.

Ashley H.

I used SFC in the purchase in my 3rd home purchase and I could not have been more impressed with him. The previous loan officers just wanted me to sign on the dotted line and be done with me ( they were awful my last one I about punched in the face). SFC took the time to explain to me about different loans and which one would work best for my needs and what made the most sense financially. I felt like my loan was the only one he was working on during my process and he took the time to have lengthy phone conversations about strategies to locking in my rate and factors that affect interest rates. SFC answered all my calls or got back to me very qickly and would always email back very qucikly with any questions. SFC is definitely a rarity in his business, I felt very comfortable with SFC and knew he was on top of everything. I would have him do a loan for my grandma. Disclaimer: I am not a family member or close friend of SFC; I meet him at an open house and he followed up and called me the next week.

Carson Dach

I completed my first ever home loan with SFC. They offered exceptional service from start to finish. They patiently and thoroughly explained the loan process, discussing various loans option and working me through all the numbers to come up with a solution that served my best financial interests. Moreover, he carefully went through my paperwork so that all administrative items were in order before closing, making the entire home loan experience transparent, easy and with minimal impact to my schedule. Secured Funding Corporation is a professional organization with great customer service, attention to detail and a genuine desire to provide you with the best financial product that suits your specific needs. I couldn't be more satisfied. I've actually turned to Secured Funding to refinance my home at historically low rates. I give Secured Funding Corporation my highest recommendation.

Don Emmanuel Lunaria

SFC worked with my family in finding and securing the best mortgage for our first home. He patiently, thoroughly and quickly answered all of my many questions, and helped me to feel much more comfortable with the process. When our short sale became complicated and threatened to fall through, Todd kept us informed with the progress and fought hard to make sure that everything went as planned - it became a lot of work for a very small loan, but they fought for us and made sure everything worked out as we had hoped and planned. I'm not sure our sale would have gone through without their attention and dedication. I would strongly recommend SFC to anyone I know, especially for first-time home buyers that need a responsive, organized, patient and clear guide through this complicated process.

Michelle Massey

Leroy and I just recently moved into our "Dream Home". We have to thank Secured Funding Corporation for this special gift. They worked very hard with us and the end result was well worth the wait. They were very professional, but yet very "down to earth". The agent was available for our questions and concerns either by phone or email. He made this experience one that we will never forget.

Janet and Leroy Lankford

I recently purchased my first home with a mortgage through Secured Funding Corp. The agent I worked with offered his advice on each available option that I had and he quickly answered all of my questions with assurance of the outcomes. The agent was always in reach when I needed his advice and was patient knowing that I was a first-time home buyer. He is at all times a professional and I will certainly recommend him to my friends and family.

Bryan McDonough

I send my clients to Ryan because he is so good at preparing them for the numbers, costs, and steps in the process. He is also a great communicator, which makes everything so much easier for me and my clients. I will continue to refer my business to Todd for this exact reason.

Marta Lopushanska REMAX Sails

He really looked out for my client's best interest. I worked with him as the listing agent on a transaction and was so impressed I began sending my buyer leads to him. His communication was top notch.

Sherry P. Long and Foster

I wanted to thank you guys for your help with the entire home buying process; we really appreciate the attention both of you have given and the fact you were so flexible and worked around our schedules. Also, I know I'm not the easiest person to deal with; so kudos :-) ill make sure to pass your names on, to friends when they begin looking [to buy]

Kyle Thomas

I just wanted to extend my gratitude for all that you have done for me in the refinancing of my home. The speed of which surprised me as well. All was very painless, in fact a breeze. I am sure you have been thanked by many in your career.

Patricia T.

He was upfront and honest. He seemed very concerned about getting us into our first home. He even showed us a way to boost our credit scores which helped get us a better rate.

Jeremy and Jennifer K.

This transaction seemed so easy compared to the last time I bought a house. Thanks so much for making this a smooth transition for us. You and your team were great!

Lindsey S. and Jason W.

As a first time homebuyer I was very reluctant to trust a mortgage professional. They walked me through the process and made sure I understood every aspect of the process. He stated, "We want to earn your business for life, we want you to be an educated client so that you completely understand the process." Once I heard this I knew my good friend had referred me to the right people. I received an education in mortgages along with a great deal on the purchase of my new home. Thanks SFC, you earned my business for life!

Drew Paquette

Secured Funding Corporation does such a good job with my clients and my trust in him is so high that I use them for all of my personal loans as well. I trust them 100%.

Andrew Lehr RE/MAX Sails