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Branch Manager

Jim Black

NMLS #633511

Branch Manager • Capitola Branch

15 years of Industry Expertise 
Cell: 925.285.4898
Fax: 855.631.0189
Licensed in CA

About Jim


The Jim Black Team is fortunate to have teamed up with American Pacific Mortgage (APM), to continue to enhance the knowledge, programs and service they offer to the community for residential lending needs. 

Jim's Bay Area clients, business associates, and co-workers respect his financial business background and drive for excellence in packaging customized short and long term construction and residential lending solutions to  meet his client's real estate objectives.

In 2007, 2008, 2009 and 2011 Team Jim Black was recognized as the "Best Mortgage Broker/Banker" by Danville Weekly Readers. This is a local publication that reaches over 70,000 households a month with many affiliates and competitors in the market. The team was very excited to be one of 3 back to back winners in any of the 80 categories.

Jim and his Team are focused on helping make a difference in their community and look  forward to having the opportunity to show you what Team Jim Black can do for you!

Branch Address:  1840 41st Ave, Suite 201 Capitola, CA 95010

See what Jim's customers are saying...

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Jim's extensive knowledge of mortgage products and loan options has been extremely helpful. He keeps deals moving in the right direction!

Tom Nevin - Realtor

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Jim just closed another loan for a client of mine and as usual, I received nothing but praise about Jim from the client, and of course, Jim is always great to work with for me as an agent. He communicates the timelines and processes well throughout the transaction to stay on track and close on time. And this has been the case with self-employed and harder to underwrite clients as well as the "easy ones." I highly recommend Jim for all your lending needs.

Jeff Gillett - Coldwell Banker, Walnut Creek

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Jim is fantastic! Not only does he have a great range of products and excellent rates but he is always quick to respond. I always know my clients are in excellent hands with Jim and his team!

Kelly Copland - Realtor

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

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Which Mortgage Loan Is Right For Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide which mortgage is right for you.

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

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Thanking our Servicemembers: Your Guide to a VA Loan

In this guide, you will learn why VA loans are a great option for homeownership for active members and veterans in our armed forces.

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Let us help you find the home loan to reach your financial goals.

American Pacific Mortgage Programs

Your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer will be the most attractive in a competitive market. Keys on Time Guarantee Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and Buy Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and Build Our Bridge Loan programs can help you purchase a new home before your existing home is sold. Bridge Loan Programs If you are looking to buy a home that exceeds conforming loan limits, we have multiple Jumbo loan programs to choose from. Jumbo Programs Our Peak Loan program allows you to buy a home up to $1.5M with only 5% down. Peak If you are looking to finance a home that exceeds conforming loan limits, our High Balance Solutions program may be the ticket you need. High Balance Solutions If you are looking to finance a home that exceeds conforming high balance loan limits, you can split the loan amount between a first and second with our Jumbo Solutions program. Jumbo Solutions With our Expanded Access program, we have opened the doors to borrowers who need access to financing but don’t "fit" the standard agency or jumbo program guidelines. Expanded Access Investor Advantage gives you the most purchasing power in the market today for investment properties. Investor Advantage A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. Asset Inclusion If you can dream it, you can make it a reality. Finance the purchase of your fixer upper with the cost of repairs included in your mortgage. Dream Home Renovation Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines. Home Ready by Fannie Mae Purchase a home with low down payment and flexible sources of funds. Home Possible A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. STaR Loan Program Financing provided for the purchase and refinancing of manufactured homes. Manufatured Housing

Home Buyer Blog