Headshot of Nikki James

Nikki James

Loan Officer

Team Nikki James

NMLS #293138

4610 South Ulster Street, Suite 300
Denver, CO 80237
Contact Methods
tel Phone
mobile Mobile
(650) 322-0303


About Nikki

A mortgage is more than a transaction. It’s about people creating their greatest family memories in a place they call home.

We truly care about what we do – and are really good at it, too! My team is built of highly skilled mortgage experts in all types of lending, including bridge loans, RSU income, complex income structures, and first-time homebuyers backed with 30+ years of experience. It is important to us that we educate our clients on all aspects of a mortgage and the products available to them so they can move forward confidently with their home purchase.

In addition, we look at the question of affordability along with qualifications to help you with the question of what is the right price range and loan amount for your situation.

With constant communication, you can feel assured you’ll be informed about the mortgage process every step of the way. We’ll discuss the stages between pre-approval and closing, and we’ll answer any questions you may have about your home buying journey.

I can’t wait to show you the difference we can make for your home financing.

Serving the California Bay area and beyond


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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Send me a message below or give me a call at 720-739-0099