James Torrence Sales Manager

Robert W A.

Transaction Completed:
8/4/2025

"James Torrence was always there when I needed him. If he didnt answer right then he would call right back. Thanks James"

Tracey J.

Transaction Completed:
8/3/2025

"They were very personable and efficient. The loan officer was very knowledgeable and patient with my first time home buyer experience."

Michael B.

Transaction Completed:
7/30/2025

"The loan approval and documents were guaranteed to be ready on the closing date. I received an email from Elisa Pinto at 3:17 but did not read it until after 3:40 because I was driving. The email told me I needed to gat a cashier's check for the closing to occur at 5:30 that day. My bank closes at 4:00 and the closest branch is 25 minutes away. If I had received notice earlier I could have gotten the check on time. The closing attorney agreed to follow through with signing the closing documents and allowing me to provide the cashiers check the next morning. As stated, the scheduled closing time was 5:30. After the attorney and my realtor had both made several attempts to get the documents emailed to the attorney's office I sent a text to James Torrence and then received a call from him. James had been scheduled very professional and helpful up to this point in the loan process. However, during the call he raised his voice to me and spoke to me in a condescending tone and I DO NOT appreciate that behavior or find it professional in any way. I do not deal with loans every day and documents not know all of the intricate details about the process but I in no way should be spoken to harshly or in a way that makes me feel foolish. The documents were said to be emailed two more times before they finally were sent well after 7:00. We were not finished with the closing until just a few minutes before 8:00. If there is any confusion, all times in this response are pm. Another important detail during the loan process is that Elisa Pinto asked me in three emails for information about earnest money and I explained the details about it before I was finally given instructions to go a different route to correct the issue. I do not feel as though my answers were being reviewed."

Scott B.

Transaction Completed:
7/28/2025

"Everything was great with James until a few days before closing. We ran into a time crunch and I had been following up with James and team weekly to ensure everything was on track. Days before closing we had still not received a closing settlement statement but kept being assured we were good for our closing date. At that point, it became nearly impossible to reach anyone at NAF. The day of closing, even past the time of closing which was 5pm Eastern Time, we still didn't have the correct statement and never got a chance to review it, despite being assured we would make closing on time. In the end, we were able to close on the scheduled closing date, but did not finish until after 8pm Eastern Time, as a result of communication issues between NAF and closing office. I did not rate James poorly, but on a scale of 1-3, I could not give excellent remarks due to the disappearance days before closing and issues we had up to the closing."