James C. Young III is an experienced Mortgage Broker at Edge Home Finance Corporation (NMLS #1876503), combining a BA in Business Finance and an MS in Business Analytics from the University of Washington with a client-first, data-driven approach across VA, conventional, FHA, USDA, and jumbo loan programs.

As a seasoned mortgage professional, James has helped hundreds of clients purchase and refinance their homes—supporting first-time buyers, active-duty service members, veterans, and seasoned investors alike. Recognizing that real estate is both a personal haven and a powerful wealth-building tool, he also specializes in financing for investment purchases, including multi-unit and mixed-use projects. Whether you’re acquiring your first rental property, expanding an existing portfolio, or refinancing for better terms, James’s flexibility, speed, and deep lender network (160+ options) keep your deal on track and under budget.

A former professor at the University of Washington, James believes that education is empowerment. He takes the time to demystify complex mortgage terminology, outline every step of the process, and ensure you understand how different loan structures impact your long-term financial picture. His military relocation expertise makes him the go-to broker for PCS moves in the Puget Sound area—no matter how tight your timeline or how unique your circumstances.

When he’s not securing best-in-market rates or strategizing your next loan scenario, James is a proud bulldog dad and macaw owner, a detail-oriented analyst, and a connector who thrives on building referral partnerships with real estate agents, financial advisors, and fellow industry professionals.

What you can expect when you work with James:

Personalized Guidance: A thorough needs assessment, clear explanations, and tailored loan options.

Speed & Reliability: Industry-leading turn times and proactive communication at every step.

Investment & Refinance Expertise: Financing strategies for purchase and refinance of single-family homes, multi-unit rentals, and mixed-use properties.

Veteran Advocacy: Deep knowledge of VA entitlement, no-down-payment benefits, and streamlined underwriting.

Ready to make your next move—whether it’s a place to call home or an investment that builds your future?

📅 Schedule a Consultation

📞 253-655-7187 | ✉️ James.Young@EdgeHomeFinance.com

Your Edge in Homeownership.

 

Have James Young Contact Me About

James Young

Mortgage Broker

NMLS# 1876503


Edge Home Finance

13703 187th Ave Ct E
Bonney Lake, WA 98391

Phone: (253) 655-7187
Email

James.Young@EdgeHomeFinance.com