James Hardwicke
NMLS Verified

James Hardwicke

PRMG MortgageNMLS #2351650
Sacramento, CA4 Years of Experience

About

James Hardwicke is a Mortgage Advisor at PRMG, based in Sacramento and serving buyers and homeowners throughout Northern California, backed by PRMG, a national lender licensed in 49 states and Washington D.C. (excluding NY). Buying a home can feel overwhelming especially in today's market. James works alongside an experienced team to simplify the process, walk clients through their real options, and build a mortgage strategy that fits both their short-term budget and long-term goals. Whether that's an FHA loan, VA loan, conventional purchase, CalHFA down payment assistance, or a refinance, the approach is always the same: clear communication, no surprises, and a plan that actually makes sense for the client's situation. James specializes...

Awards

Sacramento Favorites GOLD 3 Peat Award for Best Mortgage Company in 2025, 2024 & 2023

Primary Markets

  • Antelope, CA
  • Carmichael, CA
  • Citrus Heights, CA
  • Davis, CA
  • Dixon, CA
  • El Dorado Hills, CA
  • Elk Grove, CA
  • Elverta, CA
  • Fair Oaks, CA
  • Folsom, CA
  • Granite Bay, CA
  • Hood, CA
  • Lincoln, CA
  • Loomis, CA
  • Mather, CA

Loan Specialties

Fixed-Rate

Interest-Only

VA

Jumbo

Renovation Loans

Adjustable-Rate

Photo Gallery

Reviews

5.0 (12 reviews)

Santiago

Apr 6, 2026

5.0
FastExpertVERIFIED

I had an amazing experience working with my friend as my lender while buying my first home. From start to finish, he made the entire process feel smooth, stress free, and easy to understand. As a first time buyer, I had a lot of questions, and he was always patient, responsive, and willing to break everything down in a way that made sense. What really stood out was how much he genuinely cared he wasn’t just trying to close a deal, he made sure I felt confident every step of the way and got the best option for my situation. His communication was on point, always keeping me updated and making sure nothing slipped through the cracks. I’m beyond grateful for his help and couldn’t have asked for a better experience. If you’re looking for a lender who’s knowledgeable, trustworthy, and truly has your best interest in mind, I highly recommend him! James Hardwicke | Mortgage Advisor at PRMG Owner 5 days ago I really appreciate you taking the time to share this, Santiago. It was awesome helping you through the home buying process, especially as a first-time buyer! I know there’s a lot that goes into it, so making sure everything was clear and easy to understand is always a priority for me. I'm glad we were able to put together the right mortgage strategy for your situation. Always here if you need anything down the road.

Kimberly

Apr 6, 2026

5.0
FastExpertVERIFIED

We had a great experience working with James as our mortgage advisor. From start to finish, he was incredibly communicative and checked in with us daily to make sure everything was moving along in a timely manner. He made what can be a stressful process feel smooth, efficient, and fast. James is not only knowledgeable and trustworthy, but also genuinely kind and friendly, which made a huge difference for us. We always felt supported and confident throughout the entire home-buying process. We highly recommend James to anyone looking for a reliable and dedicated mortgage advisor! James Hardwicke | Mortgage Advisor at PRMG Owner 5 days ago Thank you Kimberly! I really appreciate your kind words. It was a pleasure working with you and being part of your home buying journey. It's important to our team that you felt supported and confident in a big decision.That’s always the goal when structuring the right loan strategy. Always here if you need anything down the road. Wishing you all the best in your new home!

Josie

Apr 7, 2026

5.0
FastExpertVERIFIED

Has help me and my family a lot throughout the years. Is very knowledgeable and goes above and beyond to help! James Hardwicke | Mortgage Advisor at PRMG Owner 5 days ago Thank you Josie! I really appreciate your kind words and the trust over the years. It means a lot being able to help you and your family navigate different mortgage situations and make things as simple and clear as possible. Always here whenever you need guidance. I'm looking forward to working with your family more in the future!

Robbie

Apr 8, 2026

5.0
FastExpertVERIFIED

Very friendly and easy to work with. Makes everything smooth and is a delight to engage with. I can guarantee a great experience working with him. No cons only pros to say! James Hardwicke | Mortgage Advisor at PRMG Owner 6 days ago Thanks Robby! I'm glad you had a great experience. We take pride in making the process smooth and easy. Always here if you need anything in the future.

Mikin

Apr 8, 2026

5.0
FastExpertVERIFIED

James Hardwicke is a true professional. He made the mortgage process fast, easy, and transparent. His communication is excellent, and he managed to navigate the complexities of the industry with ease. If you want a stress-free experience with a pro who knows his stuff, look no further than James at PRMG. Highly recommended! James Hardwicke | Mortgage Advisor at PRMG Owner 6 days ago I appreciate you taking the time to share this Mikin! Glad we were able to make the mortgage process feel simple and fast. Our team takes pride in communication and making the experience as stress free as possible. Always here if you need anything in the future!