Simplifying the Mortgage Process

Howard Hanna Mortgage

Local Professionals and One-Stop Shopping

Howard Hannaโ€™s expert Mortgage Loan Originators guide you through every step of the home buying process with clarity and confidence. Buying a home is a big decision, and with Howard Hanna, youโ€™ll have experienced professionals by your side.

Enjoy the convenience of One-Stop Shopping with Real Estate, Mortgage, Title & Escrow, and Insurance all under one roof. With over 250 offices across eight states, we provide a seamless, supportive experience designed to simplify your journey.

Meet James Cockerill: Your Trusted Guide in Home Financing

With over 25 years of experience, James Cockerill expertly guides clients through the mortgage process with care and clarity. He offers tailored solutions for first-time buyers, homeowners, and investors, backed by deep knowledge of loan products and market trends.

As the youngest of 11, James brings a strong work ethic and family values to every client relationship. Outside of work, he enjoys golfing, time with his wife Barb, their five grandchildren, and his dog, Annie.

With James and Howard Hanna, your mortgage journey is in expert hands.

James Cockerill

James Cockerill

Mortgage Loan Originator NMLS# 674954

๐Ÿ“ž (614) 832-8255

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โœ… 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.

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

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 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 on their loan amount at closing, not to exceed a total of $10,000.

Availability of the rebate is determined, in part, by the borrowerโ€™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 are consenting to Howard Hanna and its affiliate companies contacting you to begin the preapproval process.

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

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.

Not available on all products or in all areas. Offer void where prohibited by law.

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

For full licensing information, visit:
๐Ÿ”— www.nmlsconsumeraccess.org

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Howard Hanna Mortgage Services
๐Ÿ“ Corporate Office: 1000 Gamma Drive, Pittsburgh, PA 15238
๐Ÿ“ Ohio Office: 6000 Parkland Blvd., Mayfield Heights, OH 44124
๐Ÿ“ง mortgage@howardhanna.com
๐Ÿ“ž Toll-Free: 1-800-400-4622
๐Ÿ“ž Pittsburgh: (412) 967-9000 | ๐Ÿ“  Fax: (412) 963-6994
๐Ÿ“ž Mayfield Hts: (216) 447-0077 | ๐Ÿ“  Fax: (216) 447-1309
NMLS #101561


Offer of credit is subject to credit approval. Contact a Howard Hanna Mortgage Services loan originator for complete product details and eligibility requirements.

Howard Hanna Mortgage Services is licensed by:

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

Ohio: Department of Commerce โ€“ Division of Financial Institutions, License #RM.804531.000

Michigan: Department 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: Department of Financial Institutions, License #43110


๐Ÿ“Œ Howard Hanna Mortgage Services NMLS #101561. Equal Housing Lender.
© 2025 Howard Hanna Mortgage Services. All rights reserved.