💼 Mortgage Services & Local Lending Support

Buying a home is one of life’s biggest decisions—and having the right financing partner makes all the difference. With Howard Hanna Mortgage Services, you get personalized guidance, competitive options, and local experts who walk with you from application to closing.

We make home financing easier by offering Real Estate, Mortgage, Title & Escrow, and Insurance services all under one roof. Our One-Stop Shopping model saves time and ensures a smooth experience at every step.

Meet Your Local Loan Expert: James Cockerill

With over 25 years of experience, James Cockerill is known for his honest advice, reliable communication, and deep knowledge of home loan programs. Whether you’re buying your first home or financing your next move, James provides a clear, supportive path to success.

As the youngest of 11 siblings, James brings strong values and work ethic to everything he does. Outside of work, he enjoys golf, family time, and life with his wife Barb, five grandchildren, and their dog Annie.

James Cockerill

Mortgage Loan Originator NMLS# 674954

📞 (614) 832-8255

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🏡 Special Savings: Buy & Borrow Bundle

Eligible buyers who use both Howard Hanna Real Estate and Howard Hanna Mortgage Services may qualify for a closing cost grant equal to 0.5% of their loan amount—up to $10,000. It’s one more way we help maximize your investment.

📊 Tools That Help You Decide

Wondering if now’s the right time to buy? These tools can help you weigh your options:

📢 Howard Hanna Mortgage Services Offer Disclosure (2025)

NMLS #101561

This is a limited-time offer. Terms and conditions apply. Offer cannot be combined with any other promotions or discounts. Offer of credit is subject to credit approval.

This offer applies to purchase money mortgages only and does not apply to all loan programs, including brokered transactions.

The offer is only available to Exclusive Buyer Agency clients who are purchasing a home through Howard Hanna Real Estate Services and financing through Howard Hanna Mortgage Services.

Approved borrowers will receive a closing cost grant equal to 0.5% of the loan amount as shown on their Closing Disclosure.

Example: For a $380,000 loan, the borrower would receive a $1,900 credit toward closing costs.

Qualified buyers/borrowers may receive up to a 0.50-point rebate, not to exceed $10,000 total.

Availability of the rebate is determined, in part, by the borrower’s down payment, negotiated concessions, and other underwriting/program parameters. Concessions and additional restrictions may impact eligibility.

❗ Important Notes

By electing the Howard Hanna Buy & Borrow Bundle, you consent to Howard Hanna and its affiliate companies contacting you to begin the preapproval process.

This offer cannot be retroactively applied to loans where the rate has already been locked.

The offer commences July 15, 2024 (or July 1, 2024 in Indiana) and is subject to termination at any time. Underwriting and program restrictions may apply. Offer is not available on all products or in all areas. Offer is void where prohibited by law.

Please consult your Howard Hanna Mortgage Loan Officer for full program details and eligibility.

🔎 Licensing & Legal

Howard Hanna Mortgage Services is licensed by:

Pennsylvania: Dept. of Banking and Securities, Mortgage Lender License #21415

Ohio: Dept. of Commerce – Division of Financial Institutions, License #RM.804531.000

Michigan: Dept. of Licensing and Regulatory Affairs

First Mortgage Broker/Lender License #FL0022570

Second Mortgage Lender Registration #SR0022571

West Virginia: Division of Banking, License #ML-20884

North Carolina: Office of the Commissioner of Banks, License #L-215626

South Carolina: State Board of Financial Institutions, Mortgage Lender/Servicer License #MLS-101561

Indiana: Dept. of Financial Institutions, License #43110