Jim Camara

Senior Loan Officer
NMLS # 257972
State Lic CA #CA-DOC257972
With Just 10 minutes on the phone, in your home or at my office we can see if you prequalify for a mortgage and start a Home-Buying plan that fits you - No Obligation!

I look forward to helping you. Just call my cell phone (209) 981-5626, click on the my email address above and let me know how I can reach you. So, just call or click and let's get you closer to what YOU want in home ownership.

Clients have described me as:
- Knowing all the program options available in California
- Great at helping people learn and understand the loan process and their options
- Able to offer some of the lowest rates and fees
- A mortgage team leader who can close your loan in a timely manner
- Always available by phone, in your home or at my office - your choice
- A mortgage consultant who genuinely cares about your happiness

During my career I've focused heavily on obtaining knowledge and experience to further my career. I providing better communication than people find in this industry. I believe superior communication up-front in the planning and strategy phase eliminates errors, costly surprises and last minute delays typically found in most banks and many mortgage companies. Continuing communication throughout the rest of the loan process brings my clients peace of mind and confidence they're getting what they want and need. People tell me my communication focus has made their home-buying or refinancing experience far less stressful than any of their past experiences. They also tell their friends, family and other to contact me, which is the highest compliment I ever receive.

My Special thanks to those who let me help them and their friends.

I was born and raised in the California Central Valley and started my career as a mortgage loan officer in 1986. Prior to that I worked my way up the ladder as a loan counselor for delinquent accounts, loan processor and at one time was a loan underwriter. I held the positions of branch manager and regional manager. I believe I am Unusually service minded and I enjoy offering this attitude to my clients. With my experience and knowledge I'm not afraid of challenging situations. I love hearing my clients say at closing "everyone else said they couldn't do what you've done".

Home Mortgage Tools


How much will my fixed rate mortgage payment be?

This calculator computes the payments (principal and interest), based on home price, down payment, and other factors.


How much mortgage might I qualify for?

This calculator computes the finance amount, based on income, expenses, credit rating, and other factors.


How much home can I afford?

This calculator computes the most expensive house you can buy, based on the highest payment you can afford.


How much will I save by increasing my mortgage payment?

Increasing your payment will reduce the principal on your mortgage, the total amount of interest you’ll pay, and the number of payments.

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Jim and Ina were very professional in the handling of my loan. Everything went very smoothly and I actually closed a few days earlier than what was the projected date. All went well and I'm in the process of moving into my new home. Thanks.

—Jeremy West

Quick and stress free

—Jimmy Goodwin

Worked with Ina and Jim simply put the BEST!!

—Richard Mooradian

The experience was wonderful

—Wanda Ford

Worked with Ina and Jim simply put the BEST!!

—Richard Mooradian

Loved it all. Felt like you were really in it for me and liked how motivated you were on my behalf to get stuff done. Definitely a customer for life.

—Anmol Bhangu

My experience with Ina and Jim was amazing from the beginning The expertise along with the encouragement they gave me from day one allowed me to trust them with the biggest life decision I needed to make I am beyond blessed to have met and worked with such great people Thank you both for everything Debra Stotts

—Debra Stotts

—Morgan Miller

—kevin mclane

Jim and Ina are great! Very informative and prompt.

—Brittney Perry

I’ve had the pleasure to make my loan a successful with academy mortgage and I recommend them to your next loan in the future.

—Jose L M

Wonderful down to earth people. They helped answer every question and got things done very efficiently.

—Deborah VonGrey

I have worked with Ina and Jim a few times now and it’s always a great experience.

—Jason Hargis

Loved it all. Felt like you were really in it for me and liked how motivated you were on my behalf to get stuff done. Definitely a customer for life.

—Anmol Bhangu

Jim is an amazing lender. Couldn't have asked for better. He is very down to earth and will explain everything as many times as you need. I feel he truly cares and strives to do the right thing. That is hard to find now days. Thank you so much Jim.

—Lonnie statzer

Jim and Ina were great! When we decide to buy a investment property, we will definitely reach out to them.

—Mike Cibrian

Jim and his wife where a fantastic team and went above and beyond for me and my wife

—Tim Butler

Easy, simple. Jim was flexible and explained everything to us. Would definitely recommend his services.

—Sarah villa

We had the pleasure of working with Jim and Ina Camera and they were amazing people to work with. We will for sure be referring them to our friends and family.

—Alicia Parker

—Dawn Glass

Loved it all. Felt like you were really in it for me and liked how motivated you were on my behalf to get stuff done. Definitely a customer for life.

—Anmol Bhangu

Jim and Ida were so helpful. I've never gone through the process before and was nervous. They knew exactly what to say and do making me feel like I can do this. They encourage me and looking back on the experience now I consider myself lucky to have chosen Jim and Ida.

—Loyd Evans

Great loan officer no issues at all. Got me the loan I wanted. And closed the deal. if he says he can do it he will do it.

—Estevan Vargas

Again working with Jim and Ina is effortless!

—Richard Mooradian

—Andrea Reese

Jim and Ina Camara were a pleasure to work with and went out of their way to make this purchase happen!

—Randall Long

—Sal Gonzalez

Again working with Jim and Ina is effortless!

—Richard Mooradian

We had difficulties due to our special issues. Jim and Ina Camera encouraged us and were very patient and kind

—Thayne Belasco

Worked with Ina and Jim simply put the BEST!!

—Richard Mooradian

Jim and Ina were very easy to work with, and helped us understand every step during the process.

—kaitlyn christensen

—Jason Reese

Thank you so much Jim & Ina Camara for all of your help with our loan. You both were organized, thorough & professional as well as kind. We put our trust in you and you most definitely came through for us. It was a pleasure working with you both.

—Irene Silva

This was my first home and I had alot ot questions and no matter how minor the question, Jim and his team answered my questions and helped me understand my concerns. The entire process was painless and nothing like the horror stories I've heard from others purchasing homes. The people at Academy have earned my business and trust. Thank you very much for helping my family buy a home.

—Steven Thompson

—Christopher Corn

Our experience was fast , effective and easy

—Brian keith

It was the most stress free experience that we have ever had an we would definitely recommend to others

—Augustine Hernandez

Loan closed in less than 30 days, as promised. All involved worked hard to get us a good deal. They were prompt to answer all our questions and made the process as easy as possible.

—Steve Unguran

I was very pleased with Jim and his wife Ina they were very professional very informative made everything very clear to understand they went 100 10% on everything I would recommend them for sure

—Jesse Cortez

Jim Camara was great as my loan officer

—Katrina Camara

—Diana Johnson

—Leslie Gomes

Jim and Ina Camara were excellent.

—Peter Gallo

Very thankful for Academy Mortgage. As a first time home buyer they made me feel very comfortable.

—Ruben Zendejas

Ina and Jim Camara were both very professional and took the time to communicate the entire process effectively.

—Richard Bonilla

Ina was very responsive and very "on it". She kept me in the loop every step of the way and answered all of my questions very quickly. Thank you Ina!

—Adam Yonan


—Jason moreno