JHollands@houseloan.com
907-205-4253
Jim Hollands
Buying a home or exploring a refinance? Connect with Jim to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Jim
Jim offers more than 20 years of finance and lending experience, with over 18 years of service right here in Alaska. He can easily navigate today’s mortgage environment, leading both clients and partners to seamless, stress-free closings. More importantly, Jim truly cares about the people he serves.
"Being a mortgage advisor is my way of giving back and strengthening our community," he says. "I want to help my clients positively transform their lives and achieve their biggest goals through responsible, long-term homeownership."
Over the course of his career, Jim has helped everyone from first-time homebuyers and move-up (or downsizing) homeowners to renovators and real estate investors. With his extensive loan program knowledge, he can quickly find solutions to fit his customers' needs. His ultra-streamlined system, step-by-step updates, and clear communication make the mortgage process as effortless as possible. From application to closing and beyond, Jim strives to be his clients' trusted resource year after, loan after loan.
Born in California, Jim grew up in Oregon and holds a bachelor of science in business administration and marketing from Southern Oregon University. He and his family have called Alaska home since 1997, and enjoy everything this great state has to offer. Camping, hiking, fishing, and snow-machining are among their favorite outdoor activities.
What clients say about Jim
This is our third real estate purchase and the easiest by far. Jim and his team were great at communicating and making the process both understandable and easy.
I had been self-employed for less than two years, so it was difficult for me to secure any refinancing. Jim understood my situation and was extremely helpful. Highly recommend.
Jim and his team were great and patient through our entire process and always available to talk us through questions. We can’t recommend Jim and his team enough.
Great team! Exceeded our expectations being first time home buyers! Highly recommend to everyone!
Very communicative, knowledgeable and helpful at the very step of the mortgage process
James Hollands was prompt to respond
I would recommend Jim Hollands at Cornerstone Home Lending to anyone wanting a stress-free homebuying experience. Excellent customer service from start to finish.
Fantastic experience. Step by step guidance and great communication.
Jim was excellent! This is the second time we’ve worked with him and his team. He made the process extremely simple and explained everything along the way. We definitely would use his services again and highly recommended him to any one!!! Thanks again Jim!!
It was Great. Very easy and straightforward
Jim and his team, made the entire process seamless. This was our first home loan and we came to the table with all sorts of nerves and insecurities. Jim instantly made us feel heard and at ease. At no time did we feel we couldn't ask a question.
My first home and it was really painless and simple. I loved working with Jim and Billy! My experience was crazy good. I would do it again. Big thanks for finding me a place to call home.
Let’s connect
Contact Jim
Share a little about your plans and how to reach you.
Office locations
Suite A
Fairbanks, AK 99701
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Jim today.
