Jim Spray

Hello - I am Jim Spray - I specialize as a purchase and refinance Reverse Mortgage lender in Colorado. In addition, I teach and write about consumer credit to help people boost their FICO scores.

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Jim Spray a mortgage broker specialized in difficult mortgages. This encompasses both traditional mortgages as well as both purchase and refinance reverse mortgages. Given my specialty with the difficult tasks, imagine how easy I can perform on the easy work.

Reverse Mortgage Broker at Milestone Mortgage

2011 - Present | Colorado

Reverse Mortgage Specialist - Both Purchase and Refinance Foreward Mortgages including 203(k)s for purchase and refinance

Residential Mortgage Expert Witness at James Spray

2002 - Present | Colorado

Provide expert witness services in various court jurisdictions as well as expert advise to attorneys and lay clients.

Credit Expert at James Spray

1999 - Present | Colorado

Provide written and verbal in depth analysis of technical and legal problems with individual credit and residential mortgages as well as courtroom and deposition testimony.

Mortgage Banker/Mortgage Broker at Jim Spray

1976 - Present | Colorado

Originate and place home mortgages for consumers.

Mortgage Broker, Credit Expert at Clarion Mortgage Capital

1997 - 2007 | Colorado

Originate mortgages for consumers and help consumers learn how to improve their credit profiles to enhance their credit scores.

Government Relations Director at Colorado Association of Mortgage Brokers

1997 - 2003 | Colorado

Developed the Government Relations Committee for the Colorado Association of Mortgage Brokers and developed the Political Action Committee and PAC Fund for CAMB.

University of Colorado at Boulder

none

Concentration: Group Structures and Behaviors, Sociology of War

Activities: Committee member: Conference on World Affairs

Wheat Ridge High School

General