Adriel Esparza
Regional Vice President | NMLS# 237241
I help families and referral partners make smarter decisions through clear, strategic financing. With 30 years across lending, real estate, taxes, insurance, and financial planning, my approach simplifies complex scenarios and creates real ... Show More
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Business Hours
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
Adriel and his team went anove and beyond to help us into our dream home. He made sure to listen to what our goals and boundaries were as our family was narrowing down on exactly what we wanted from a loan and financial perspective. His team...
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To be absolutely fair; our overall experience was not just with Lower. It included our interface with the Lender, which was in fact just ok. Our experience with Lower was excellent.
Reply from Adriel Esparza
September 18th, 2026 05:51 PM
I'm glad to hear that your experience with Lower was excellent, Chuck. It's important to me that you had a positive interaction with our team. If there's anything specific you'd like to discuss further, please feel free to reach out.
The step by step guidlance and comprehensive explanation of the overall process.
Reply from Adriel Esparza
September 4th, 2026 06:14 PM
Melvin, I'm pleased to know that you appreciated the step-by-step guidance and thorough explanations. It's important to me that every aspect of the process is clear for you. If you have any further questions, feel free to reach out.
Outstanding communication, wonderful customer service always willing to help and explain all the processes to me a real pleasure to work with. I would highly recommend.
Reply from Adriel Esparza
August 18th, 2026 03:42 PM
Lee, thank you for your kind words. I'm happy to hear that you found the communication and customer service helpful and clear. It's great to know you had a positive experience, and I appreciate your recommendation.
Great communication and understanding. Outstanding help throughout the proccess
Reply from Adriel Esparza
July 28th, 2026 03:07 AM
Thank you David! It was great working with you!
Excellent service from start to finish.
Reply from Adriel Esparza
July 1st, 2026 07:43 PM
Asucena, I appreciate your positive feedback. I'm glad to hear that you were satisfied with the service from beginning to end. If there's anything more I can do for you, please let me know.
Adriel was outstanding in all steps, very, very helpful.
Reply from Adriel Esparza
June 30th, 2026 04:22 PM
Allen, I'm grateful for your kind words. I'm pleased to know that you found my assistance helpful throughout the process. If you need anything else, feel free to reach out.
This is my first time purchasing a home so i'm a rookie to the loan process; however, It was without a doubt my most enjoyable experience. Adriel and Nickole was there whenever I needed a question answered whether it was after work hours or...
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My husband and I are beyond grateful for Adriel and his team. We were a bit discouraged by what our credit union bank was preapproving us for, then Adriel came in and gave us a great rate and a better deal overall. Prior to talking to Adriel,...
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My husband and I are beyond grateful for Adriel and his team. We were a bit discouraged by what our credit union bank was preapproving us for, then Adriel came in and gave us a great rate and a better deal overall. Prior to talking to Adriel,...
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About
I help families and referral partners make smarter decisions through clear, strategic financing. With 30 years across lending, real estate, taxes, insurance, and financial planning, my approach simplifies complex scenarios and creates real advantages for the people I serve. My focus is simple: give my clients and Realtors a competitive edge by providing:
- Advanced scenario strategy for complex, jumbo, and portfolio lending
- Fast communication and modern systems that elevate the experience
- Financing clarity that builds confidence
My commitment is to be a strategic resource for everyone I support. My mission is simple: Help families win. Help partners grow. Provide clarity, strategy, and stability in every financial decision.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Reverse Mortgage
Self-Employed Mortgages
Investor Mortgages
Bank Statement Loans
Specialities
Reverse mortgages
First-time buyer
Self-employed
Down Payment Assistance
Investors
Creative tax strategies
VA
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 237241
Disclaimer
© 2026 Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. Lower conducts business in 47 states for licensing information please visit - https://www.lower.com/legal/license-information.