To Top

Meet James Darby of USA Financial Consultants

Today we’d like to introduce you to James Darby.

James, please share your story with us. How did you get to where you are today?
In 2006, I had been working for different Law Firms representing well known creditors collecting past due accounts. This required great negotiation and persuasion skills. I was also referring a lot of this debtors / clients to different loan officers in town so they could refinance their mortgage and pay the debt owed. I started getting my hands into the mortgage business helping this loan officers process their loans. It was love at first sight, the big numbers, the big checks, the rush and excitement of every deal. At that same time, I was getting licensed as an Insurance Broker thanks to a friend who recruited me to work for their Insurance firm on my own hours. I was working 3 jobs 7 days a week. I remember waking up at 6 to exercise or surf if there was waves and at 8am was hitting the phones prospecting new clients for my insurance business. At 10am, I was sitting at the lawyer’s office making calls all day till 7pm and from 730 to 9pm, I was prospecting mortgage clients. I finally got my Real Estate license in 2008 and intermediately opened USA Financial Consultants Inc. I had $5,000 in my pocket and a lot of energy.

I started looking for office space and found a 3000 square office with 18 cubicles, 5 offices and a conference room in January 2009 and I am sitting, working on the same place today. At first I had a huge office on my own. I filled every cubicle with college books and sticky notes so that when clients came in they could be impressed by the office and the people. I used to say that everyone was in training and so I was the only one taking care of clients at the time. We ended up 2009 with a staff of 20 people and made over a million dollars in sales. We sold Real Estate, Mortgage refinance, loan modifications (since it was the housing crisis) we didn’t charge for modifications till they were completely finished. This gave us a lot of popularity at the time. We also sold life insurance and mortgage protection products. I have a great team that has backed me up all along and we wouldn’t be here if it wasn’t for each one of them including my mother/sales rep/customer service Pro Ana Maria Canepa, and friends/coworkers Benjamin Vizquerra, Giannina Bonifaz, and Lorent Lopez. and my loyal assistant Irene Cortez. Today we are a small but Mighty Real Estate and Mortgage firm who is dedicated to serving our community with what we know – negotiate the best deals and give the best rates to our clients.

We’re always bombarded by how great it is to pursue your passion, etc – but we’ve spoken with enough people to know that it’s not always easy. Overall, would you say things have been easy for you?
Yes, owning a business is not easy. It’s worse than living paycheck to paycheck. Because I am responsible for everyone’s paychecks. There are good months and there are bad months. We are constantly looking for new marketing avenues and that comes with risk and at a cost. We have done everything from Television, Radio, newspaper ads to online adds, direct mail, car logos and network events. Money is not the only challenge at times, but new regulation in the Real Estate and Mortgage industry forces are business models to change.

We’d love to hear more about your business.
We specialize in Real Estate and Mortgage Loans. We like to be competitive and we love challenges. I would say 50% of our clients have been denied a mortgage loan at a banking institution but we were able to overcome the challenges they faced and approved. Most banking institutions overlook little things like helping the borrower increase their credit score by paying off a credit card. Or omitting debt that is paid by other family members and not the borrower themselves.

We also love to help client’s buy their homes. We have repeat clients who love to work with us because we like to top do everything for them. We try to take all the burdens from their shoulders. We drive to their house, get signatures or collect documents needed. We communicate with them via text, email or phone calls and even Facebook sometimes – whatever accommodates them better. We take pride in serving our clients all the way and we deliver amazing results every time.

What were you like growing up?
I was raised in Jacksonville Florida till my 7th birthday. My parents split and I moved with my mother and sister to Lima Peru. That’s where my mother is from. I quickly learned Spanish and slowly forgot English. I learned that life came at a cost. I was surrounded by wealthy friends but we didn’t have much. I started surfing at 12 years old and haven’t stopped since. I made a lot friends in Lima thanks to it and thanks to the fact that we moved a lot and I went to 6 different schools.

My grandfather thought me a lot. He started his life as a construction worker in the farms of Peru and bought land little by little. He eventually owed a third of a city like San Diego. Had over 5 thousand employees, cattle, farmed cotton, rice and other vegetables and he learned to be a pilot, bought planes, and was the first business owner in the 50’s to make a private theater/cinema for his employees. He lost it all when the communist party took the presidency. They took everything from him and it was all given to his employees.

Unfortunately, the employees didn’t know how to manage imports/exports and it was all quickly lost and forgotten.

He was humble, flirty with every woman that crossed his path and well known everywhere as the good old mono. I think his story has shaped me in a great way.

Contact Info:

Getting in touch: SDVoyager is built on recommendations from the community; it’s how we uncover hidden gems, so if you know someone who deserves recognition please let us know here.

Leave a Reply

Your email address will not be published. Required fields are marked *

More in