James Perfilio

About James:

James Perfilio is a Mortgage Loan Officer with over 25 years of experience helping individuals and families achieve their homeownership and refinancing goals. Specializing in non-QM, FHA, VA, and jumbo loan financing, he provides tailored solutions designed to fit each client’s unique financial situation. James has extensive experience working with both first-time homebuyers and seasoned investors. He is passionate about educating first-time buyers through every step of the process, making sure they feel confident, informed, and supported from application to closing. He is especially skilled in working with self-employed borrowers, helping them navigate the complexities of non-traditional lending. Recognizing that standard guidelines don’t always reflect true income, James leverages available options in the market to structure strategic, customized solutions. His ability to think creatively has helped many entrepreneurs and independent contractors successfully secure financing. Known for his professionalism, transparency, patience, and clear communication, James aims to make the mortgage process smooth and stress-free for every client. When James is not closing loans, he mentors men through a local Nashville foundation, encouraging them to believe in a better life and take steps toward greater fulfillment. He loves experiencing new adventures with his big family of 10 siblings, his two daughters, and beautiful wife, and has traveled to nearly 50 countries. On weekends, you’ll find him with friends hiking, paddleboarding, scuba diving, fishing, dancing, serving in his local church, and enjoying life to the fullest.