we treat your loan like it's our own

Purely Decorative Portrait

James Gross

Regional Manager

Office: 951.296.1640

Cell: 951.760.8169

NMLS #251734

Apply now for a better mortgage experience

As a Licensed Regional Manager, James committed to providing an exceptional lending experience to you and your buyers. With over 15 years of experience in the mortgage industry, his expertise has earned him awards and a place among the top 1% Loan Originators in the U.S.  James has the expertise to help buyers understand the mortgage process and the features associated with the loan program they choose. He is dedicated to providing efficient service to all parties in the transaction, from application through closing. “In today’s complicated financial world, people need advice they can trust. My strengths are service, product knowledge and loyalty to my business partners and homebuyers. My team includes two Licensed Loan Officer Assistants who share my enthusiasm for the business and are committed to providing world-class service. We welcome the opportunity to partner with Real Estate Agents and serve buyers’ needs with quick and accurate home financing advice.”James has been a resident of the Temecula, CA, area since 2004 and enjoys giving back to the community through his work with two non-profit organizations. He holds the secretary position for Unforgotten Faces and is Chairman for Lyme Earth. To further this commitment, he has generously donated 10% of his income to non-profits every year for the past seven years. In his free time he enjoys running, skiing, watching hockey, and spending time with his wife and daughter.

Borrower's Experience

James and his team were absolutely amazing! This was my first home buying experience and it was a pleasure. Everyone involved were nothing short of brilliant. So professional, knowledgeable , and friendly. James & team have my highest recomendation! Thank you guys for making our dream of owning a home come true.
                                                                                                                                                                                                                                                     - Wayne & Helen C.

This was my first time buy a home and you guys made the process very easy for us we want to thank you and the team for everything.
                                                                                                                                                                                                                                -Robert & Garner L.


Being a new home owner and going through the process for the first time was a breeze. Thanks to James gross, I managed to purchase a home that not only met my needs and satisfactions, but was also priced under the budget I planed for saving me a lot of money in return. James superior expertise and knowledge helped me understand the overall process from start to finish, he was quick with his work and answered any questions that I had for him. James professionalism was displayed in a well manner giving Franklin Loan Center the recognition it deserves and a great outlook for clients who will be first time buyers. My time working with him was quick, easy, and time managable. I will be looking forward to working with him again sometime in the future.
                                                                                            -Johnathan & Tambria B. 


We were absolutely pleased with the professional and caring service we received throughout our entire loan process. We will refer Franklin to all our family and friends. Totally satisfied--impressed!
                                 - Tobert & Kelly F.


Mr. James Gross was friendly, experience and professional.  He answered all our questions and helped us greatly throughout the loan process!  Thanks very much to James for getting our loan approved and closed on time.  We will definitely look to James for future business and refer him to friends and family...
                                                                                                                                                                                                                             - John & Renee L.


James was very helpful and knowledgeable when I was doing my first land purchase. He helped me through the whole process and with his whole team got me my dreamland. His expertise and friendly service really made this experience memorable and I will definitely go to him again for my next purchase. Thank you James and the team for this opportunity!
                                                                                                                                                                                                                                                                                            - Maria C.

What realtors have to say

  • Allison Gelbrich-Downing

Big Block Realty  BRE # 01754152
James Gross with Franklin Loan Center is simply the best in his profession. His expertise and attention to detail is impressive. His customer service is the highest level I have seen in the industry. He truly goes above and beyond for his clients and Realtor partners while always showing genuine kindness. I've had the pleasure of working with James for almost a decade and wouldn't trust my clients with anyone else. If you want a smooth and painless escrow that closes on time every time, choose James Gross. 


  • Kellee Malone

Reliable Realty BRE#012268696
I have had the pleasure and PRIVILEGE  to have worked with James Gross since 2008.  Between James and his team of professionals the only complaint I  have is they typically complete the purchase loan sooner than the close date!! This is actually an AMAZING  problem to have and I’ll take that any day over the alternative! James always over-delivers!! Not only that, James has saved many of my transactions where the buyers lender could not perform. He’s the BEST lender I have worked with in my 21 years! I’m proud to refer him!


  • Tammy Runion

Allison James Estates & Homes Cal DRE#01858830
Obtaining a home loan can be difficult and full of pitfalls. However, if you have the right people working alongside you, it can be an uncomplicated and pleasant process. I have used many other lenders over the years, but never really found MY lender. Someone that I had complete confidence and trust in.  After working with James on one of my listings I am happy to say, I have found MY lender.  His team is fast, efficient, friendly and keeps you updated every step of the way. Monique, Bobby and Brian are just a few dynamite people on his team. They work well together and always take my call or return my emails quickly.  James is patient, helpful and truly cares about his clients.


  • Faith Zember

Zember Realty Group BRE # 02020354
James and Franklin Loan are the best! I refer all my clients there as well as use him for my own personal loans. He and his team are always easy to get ahold of, thorough and honest with information, and keep me and my clients informed throughout every step of the process. James is always readily available to speak with me or my clients during and after business hours! I highly recommend James and his team for loans and re-financing. 


  • Dan Evans

DRE Lic. # 01324544
James and his team are, far and away, the best we have worked with. We know that when our clients, or the buyers on one of our client's listings, uses James and Team, that the deal is as good as closed. The communication throughout the transaction is second to none and there are never any questions as to whether the loan will go through. Buyers looking for the best rates and service should look no further. Agents looking to improve their team credibility should consider James and team as their preferred lender. Not only will your clients get great service and rates, James and team can close emergency deals in time frames that are unheard of! 


  • Marcel Hensley

Realtor CAL Bre #01393996
James Gross is one of the best lenders I have worked with. He is incredible at communication and always responsive to all my questions and concerns. He helped me close a transaction that so many other lenders were not able to close or did not want to even touch...
I was so impressed! We closed on time as promised.  James is extremely knowledgable and knows how to keep everyone happy. I would highly recommend him to anyone!

Number 1 Producer Temecula Region Image
Production 1544 Units $470M Volume Image
$1.65 Billion Volume Over eighteen year career image
23 Average Days to Close Image
Regional Manager and mentor to Franklin's Loan Officers Image