ames J. Llorico is a licensed Mortgage Loan Officer (NMLS #2172427) serving both California and Nevada. With extensive experience in residential lending, he is dedicated to guiding homebuyers and homeowners through every step of the mortgage process with clarity and care. Whether it’s a first home, refinance, or investment property, James provides tailored solutions to fit each client’s needs—always aiming to make financing smooth and stress-free. Passionate about helping families and individuals achieve their homeownership dreams, he values lasting relationships built on trust and excellent service.