James - Real Estate

We’re here to help From Maine to Tennessee, Michigan to Florida, First Home Mortgage has licensed professionals to help you accomplish your housing dreams. Contact one of our offices today to find a loan officer that will help you negotiate the home financing process successfully.

James Murawski is a member of the Mortgage Direct team and originates anywhere within the U.S., except Alaska and West Virginia. James specializes in first time home buyers. James has a Bachelor of Science in Business Management and a minor in Economics and has 22 years of experience in the mortgage industry. James can be reached by phone/email at 716-998-7010 or james.d.murawski@us.hsbc.com.

Toni Paynter is a member of the Mortgage Direct team and originates anywhere within the U.S., except Alaska and West Virginia. Toni specializes in agency, non-conforming, and first time homebuyer programs, as well as home equity lines of credit. Toni has 22 years of experience in the mortgage industry. Toni can be reached by phone/email at 1-833-436-4722, ext. 0848 or toni.f.paynter@us.hsbc.com.

Wendy Czaplicki is a member of the Mortgage Direct team and originates anywhere within the U.S., except Alaska and West Virginia. Wendy specializes in first time home buyers, FHA/VA, SONYMA, and conventional and jumbo mortgage lending. Wendy has over 20 years’ experience in the mortgage industry. Wendy may be reached at 833.436.4722 Ext. 1122.

Union Home Mortgage Corp. is an Equal Housing Lender. Loans are available on a fair and equal basis regardless of race, color, national origin, religion, sex, handicap, marital status, sexual orientation, gender identity, familial status (having children under the age of 18), age (if old enough to enter a contract), because income is from public assistance, or because a right was exercised under the Consumer Credit Protection Act.

Client-First PhilosophyThere are many qualities and skills that go into being an excellent real estate professional - integrity, in-depth community and market knowledge, marketing savvy, effective negotiation skills and a high-quality professional network, all of which are hallmarks of how I work.That said, in my experience as a Placer, Nevada and Northern Sacramento County real estate professional, I've also found that providing the very best service is essentially about putting my clien...

Fernando Garces is a member of the HSBC Mortgage Direct team and originates anywhere within the U.S., except in Alaska and West Virginia. He is bilingual in English and Spanish. Fernando specializes in working with first-time homebuyers on purchase and refinance transactions with down payment assistance programs. He’s a graduate of the Fannie Mae Foundation to expand homeownership rates in the United States and promote diversity. Fernando has a Bachelor’s Degree in Economics and Master’s ...

Pam Escobedo is a member of the Mortgage Direct team located in Arlington Heights, IL and originates mortgages anywhere in the US, excluding Alaska and West Virginia. Pam has 20 years of experience in the mortgage industry and specializes in purchases, refinances, home equity lines of credit, and loves working with first time homebuyers.

Vicki Hsu is located in Los Angeles, California and operates out of HSBC’s San Gabriel Valley and Orange County locations. Vicki is bilingual in English and Mandarin and specializes in mortgage solutions for domestic and international clients. Vicki is involved in the Asian Real Estate Association of America (AREAA). She has 20 years’ experience in the mortgage industry. Vicki can be reached by phone at 626-418-1253 or email at vicki.l.hsu@us.hsbc.com.

Experienced Realtor with a demonstrated history of working in the real estate industry. Skilled listing agent, buyer representation and condos. Strong real estate professional graduated from Austin Institute. A Texas Native with a real passion for helping others. I know homes and I know the region. Exceptional customer service with years of experience in and around luxury homes. I am a full time licensed Realtor in Texas, working together with both buyers and sellers to help them list their...