James Espana

Sr Loan Officer

NMLS ID: 502250

I’m ready to use my years of hands-on experience with home lending to provide exceptional service and craft a mortgage that’s custom-fit for you.

James Espana

2001 N. Main Street, Suite 210

Walnut Creek, CA 94596

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I have been in the mortgage industry since 1998. Over the years, I have been helping hundreds of families buy their first homes and refinance their mortgages to meet their personal financial goals. I was raised in San Francisco, and enjoy being a mortgage pillar in my local communities. The mortgage industry has changed, and it's more crucial now than ever to work with an experienced mortgage lender who can help navigate the entire mortgage process.


My personal goal is to make the entire loan process seamless and easy. There are hundreds of options available to you and it's so important to have an experienced lender explain your options and provide sound options. Loans I can assist you with include: mortgage loan pre-qualification, first-time home buyer loans, FHA loans, jumbo loans, no-cost Loans, low down payment loans, and purchase or refinance loans.


Call me today to explore your loan options!

Mortgage Skills

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • Construction Loans
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Pre-Qualifications
  • Renovation Loans
  • Second Homes
  • VA Government Loans


  • M.B.A., St. Mary's College of California, 2010
  • B.S., California State University Sonoma, 1999
  • High School Diploma, St. Ignatius College Pre, San Francisco, 1995
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