With 18+ years of experience, Jim Gillespie provides personalized mortgage guidance and flexible financing solutions to help make your path to homeownership simple and confident.
LOCAL MORTGAGE LENDING · 18+ YEARS EXPERIENCE
Mortgage Solutions Built Around Your Goals
Competitive Mortgage Rates
We prioritize finding the best financing available for your goals—not just selling a loan.
Mortgage Calculator
How much can you afford? What does that monthly payment look like? Find out here.
Home Loan Options
We’re here to help you figure out which mortgage best fits your unique financial picture.
COMPARE BEFORE YOU COMMIT
Transparent tools to compare your options
Real numbers, no pressure. Explore today’s local rates, get pre-approved, or model a refinance — all before you commit to anything.
YOUR LOCAL MORTGAGE ADVISOR
Jim Gillespie
Branch Manager / Loan Officer // NMLS #209774
Jim Gillespie is a Branch Manager at NEXA Mortgage, LLC, located in Allentown, Pennsylvania, where he leverages his extensive experience to guide clients through the mortgage process. With NMLS #209774, Jim is committed to providing personalized solutions and expert advice to help individuals and families achieve their homeownership goals. His dedication to client satisfaction and in-depth knowledge of the mortgage industry make him a trusted resource in the Allentown area.
WHY WORK WITH JIM
Why Choose Us?
With over 18 years of mortgage experience, Jim Gillespie delivers personalized guidance, clear communication, and financing solutions tailored to your unique goals. From homebuyers and homeowners to real estate investors, every client receives dedicated support and expert guidance from application through closing.
18+ years of local mortgage experience
Conventional, FHA, VA, and jumbo loan expertise
Fast pre-approvals to strengthen your offer
Direct access — you work with Jim, not a call center
Clear timelines and honest, upfront pricing
Guidance from application through closing day
The Blueprint
How The Process Works
Simple. Transparent. Competitive.
01
Documentation
There are a few critical documents we will need to verify to start your process.
02
Appraisal
The appraisal ensures the home you are buying is worth the price that is being offered.
03
Initial Underwriting
The Underwriter will verify that all information is accurate and authentic.
04
Conditional Approval
Conditional Approval is granted when the Underwriter approves the loan under certain conditions.
05
Clear To Close
The Underwriter verifies that all documentation has been provided and all conditions have been met.
06
Closing
Signing the final documentation and receiving the keys to your new home!
Rent Vs. Buy
Does renting or buying a home make more sense? Check out what is best for you by using our Rent vs Buy Calculator...
Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!
Buying is cheaper than renting after If you buy a house, after 3 years it will cost you $58 more per month and $5000 more in total than if you had rented. But you will own in equity of your home with an appreciated value of . If you buy a house, after 3 years you will have saved $58 per month and $5000 in total than if you had rented. You will also own in equity of your home with an appreciated value of .
Buying will never be cheaper than renting
Home equity after
1 year years
TOTAL COST YEARS
Costs over
Monthly Cost (after ) Yearly Cost (after ) Total Cost (after )
Rent
Buy
Difference
$0
$0
$0
Rent
Buy
Difference
$3,019
$92,453
$89,434
Rent
Buy
Difference
$3,019
$92,453
$89,434
Estimated Costs
These costs are estimated based on the information under the advanced section. You may adjust these values to suit your particular situation in order to get a more accurate estimate.
Monthly mortgage payments
$
Homeowner's insurance
$
Private Mortgage Insurance
$
HOA dues
$
Property tax
$
Home repairs
$
Renovations
$
Closing costs
$
Yearly rent increase
%
Rental insurance
$
How We Calculate the Costs
Calculating the Cost of Renting The cost of renting is relatively straightforward to calculate. It primarily includes your monthly rent payments and a few additional expenses:
- Monthly rent payments
- Security deposit (typically equal to one month's rent)
- Renters insurance (annual premium)
- Down payment
- Closing costs (typically 2-5% of the home's value)
- Monthly mortgage payments (principal and interest)
- Property taxes
- Homeowners insurance
- Private Mortgage Insurance (PMI) if applicable
- HOA fees (if applicable)
- Maintenance and repairs
- Home improvements and renovations
- Annual home appreciation rate: %
- Annual rent increase: %
- Renters insurance: $ per year
- Home maintenance and repairs: % of home value per year
- Home improvements and renovations: % of home value per year
- Selling costs when you sell the home: % of home value
TRUSTED BY LOCAL HOMEOWNERS
What Clients Say About Working With Jim
”I feel he did a great job in helping me and explaining me everything I needed to know and what I should be looking for. His honesty made me feel comfortable in talking to him.
tootie3915
”Jim’s knowledge and diligence. Thought we were going to be stuck with a rate we didn’t want but gave us advice on how to get the one we were looking for! In all, he made the home buying experience less stressful!
zuser201712180504259
”James made such a complicated process simple. He was there for us every step of the way. If we needed anything, at any time of day, he was available. Great experience. I highly recommend James. He helped us get the lowest rate possible.
User8953298
