Jim Walls of Citizens Bank joins Chuck & Georgette tonight to discuss the importance of good credit and how it affects your borrowing power. Jim Walls has been with Citizens Bank for over two years and has been in the mortgage industry since 2003. Jim is currently the Area Sales Manager covering all of New Jersey as well Philadelphia. His area of expertise ranges from First-Time Home Buyer Programs to Jumbo Primary and Vacation Home Financing. Jim and his Team also specialize in Construction-To-Permanent Financing for borrowers looking to Construct or Renovate the Home of their Dreams.