With 20+ years guiding families through the mortgage process, James Taveggia delivers precision, speed, and service you can count on every time.
James Taveggia is a seasoned mortgage loan officer with more than 20 years of experience helping individuals and families navigate one of life's most important financial decisions: homeownership. Based in Rochester, Michigan, James serves clients throughout Metro Detroit and beyond, combining deep industry expertise with a personal, relationship-driven approach that has earned him long-standing trust and repeat business.
A graduate of Walsh College with a Bachelor's in Finance, James built his foundation on strong financial principles and a commitment to delivering clarity in complex situations. Over the course of his career, he has held key roles at PNC Mortgage, Caliber Home Loans, Newrez LLC, and now Union Home Mortgage — bringing a well-rounded perspective to every transaction.
As Team Sales Manager, James leads a nationally ranked mortgage team including Loan Consultants Joe Taveggia and Derek Adair, and Production Assistant Lais Kiehl. He is a preferred lender for Thrive Realty and the Stewart Team Real Estate Partners, regularly leading Mortgage 101 Master Classes to educate homebuyers.
For James, success is not measured simply by closing loans, but by helping people move forward with confidence into the next chapter of their lives.
Where experience meets execution in every loan.
James anticipates and resolves issues before they arise. Clients praise his responsiveness — weekdays, weekends, and holidays.
Team Taveggia specializes in first-time homebuyer programs, down payment assistance, and AMI programs for the best pricing.
Phone, text, email, or chat — James delivers outstanding service across all channels. Every client gets the Class-A experience.
As Thrive Realty's preferred lender, James leads Mortgage 101 Master Classes so every buyer makes informed decisions.
From pre-approval to closing, James streamlines the process. Clients report smooth experiences that consistently exceed expectations.
Living in Rochester, James and his team understand Metro Detroit intimately — the true neighborhood lender advantage.
4.93 stars across 601 verified reviews on Experience.com, Zillow & Facebook.
As a single first-time homebuyer, I was nervous and new to the whole process. James answered my unending questions and brought me so much clarity and peace. Couldn't recommend him and UHM enough. James and the entire team worked so diligently.
Outstanding experience. Took the extra steps to ensure a retired veteran received all the benefits available. Staff worked tirelessly to achieve the near impossible. Looking forward to my next purchase.
James and his staff were very good communicators, answered all of our questions, and were very quick and efficient. They made the process seamless. Nothing but great things to say about him. Thank you James and staff!
5 stars. James went above and beyond for us on multiple occasions in our over 1 year home buying process. I talked with 3 other mortgage lenders before knowing that James was the guy we needed.
James and his team were the best — always there for us, anything we needed, and quick to get back to us always. He cares about his clients and always wants to get you in the best situation as possible.
We were purchasing a home out of state and juggling a somewhat complex financial situation. James was so professional, responsive, and easy to work with — he made the process a breeze. Highly recommend!
From first-time buyers to seasoned investors, a full suite of mortgage products.
Flexible terms, competitive rates, multiple down payment options.
Lower down payment, relaxed qualifications for first-time buyers.
Zero down payment for veterans and active service members.
No down payment for eligible rural and suburban homebuyers.
Lower your rate, shorten your term, or tap into equity.
Custom financing for building your dream home.
Finance purchase and repairs in a single loan.
BorrowSmart Access and other assistance programs.
Simple. Transparent. Stress-free. Start to finish.
Discuss your goals, budget, and timeline with James.
Know your buying power with a competitive pre-approval.
James handles the details. You stay informed — no surprises.
Receive the keys to your new home with confidence.
James isn't just a mortgage professional — he's a neighbor. Rooted in the Rochester community with his family, he understands that buying a home is about more than numbers on a page. It's about building a life, creating stability, and investing in the future of your family.
That personal understanding is what drives the Class-A experience every client receives. When you work with James, you're not just a file number — you're family.
📞 Let's TalkQuick answers to the most common mortgage questions.
Stay informed with the latest mortgage rates, homebuying tips, and market insights — updated automatically.
From pre-approval to closing day, here are the essential steps to navigate your first home purchase with confidence.
Interest rates, inventory levels, and pricing trends — a snapshot of today's Metro Detroit real estate market.
Multiple programs exist to help Michigan buyers reduce upfront costs. Here's how to qualify and apply.
Whether buying your first home, refinancing, or investing — James and his team are ready.
(586) 722-880092 Mill Street · Rochester, MI 48307 · NMLS #23433 · Equal Housing Opportunity