James Buscemi has invested over 15 years in the banking/mortgage industry helping customers achieve their dream of home ownership.
Whether you're buying, selling, refinancing or building your dream home, working with a seasoned professional can make everything simpler and easier. As an experienced loan officer, I have the knowledge and expertise to help you explore the many financing options available and ultimately make the right choice for you and your family.
I'm committed to providing my customers with an experience that will exceed their expectations, and I look forward to working with you.
Home Purchase Specialist
First Time Homebuyer Programs
FHA and VA Financing
M&T Chairman's Club Winner
Bachelor's Degree, SUNY College at Buffalo, Business Administration
M&T Bank offers a variety of mortgages to meet your needs. I’ll help you weigh all your options and choose the right option for your goals.
It takes just minutes and you can do it from any device. I’m here to help you every step of the way.
Upload electronic copies or photos of all your documents like W-2s and paystubs. As your mortgage expert, I can help you get the ball rolling.
With a pre-approval from M&T Bank, you have more than a verbal thumbs-up. You'll now have your financing in place that can help you fast-track the home-buying process.
Congratulations, you’ve found a home you love! I’ll order an appraisal to ensure there are no issues and get you ready to close.
It’s that simple.
By getting to know you, your finances, and your goals, I can help you choose the best mortgage for your situation. I’ll serve as your personal mortgage assistant, working with your real estate agent and everyone involved for a seamless process from start to finish.
Just about any lender can “pre-qualify” you with a modest amount of information. But that pre-qualification doesn’t always ensure final approval, which can put you back at square one.
In contrast, with a full review of your financial documents and credit, M&T Bank actually “pre-approves” your mortgage so you — and the seller — have the confidence in your financing.
Lower your total monthly payout with the right M&T Bank refinance could help reduce, consolidate or even eliminate all your monthly bills.
Put your home equity to use for a home refresh, paying off credit cards or even funding a college savings plan. Once we know your goals, I can use my mortgage expertise to help you achieve them.
As we collaborate, I’ll always ask you to look at the bigger picture. Don't be surprised when topics like retirement plans or other milestones come up. Knowing your plan helps me tailor the ideal mortgage term.
Could you optimize your savings through tax deductions like mortgage interest, property taxes and mortgage insurance? We’ll explore these areas, as well. (Always remember to consult your tax adviser)
Typically, there is a gap between when your existing mortgage is paid off and when your new mortgage payments begin, affording you a little break. We’ll talk about how to spend it wisely.
Access and bookmark my mobile app for helpful tools, a convenient link to your online mortgage application as well as my contact information and more. You can learn about M&T’s different mortgage options and even apply online and receive updates throughout the process. It’s your direct line to getting the answers you need, anytime.
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Your dream home and the best mortgage available are closer than you think.
Explore your purchase loan options including programs, rates, payments and more from the comfort of your couch. Or, with a few clicks, you can let me know what you’re looking for and I can help you navigate your options.
Explore your refinance loan options including programs, rates, payments and more from the comfort of your couch. Or, with a few clicks, you can let me know what you’re looking for and I can help you navigate your options.