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Andy Espineira - Site Manager - VP | NMLS # 331280 in Ladera Ranch, CA

Andy Espineira

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Site Manager - VP | NMLS # 331280

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I have been in the mortgage banking industry for over 18 years and love putting my experience to work for others. Whether you are a first time home buyer or a seasoned investor, I am here to help. I treat every transaction as if it where m... Show More
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Reviews from Web
  • Encompass
    R
    Rusty W H
    Lexington, NC
    Posted on August 22nd, 2026 02:10 PM
    Fast and easy
  • Encompass
    A
    Andrew D
    Mt Baldy, CA
    Posted on August 20th, 2026 11:23 PM
    Chase was great to work with. He answered my questions and explained the process to me.
  • Encompass
    D
    David R
    Murrieta, CA
    Posted on August 20th, 2026 06:09 PM
    The seevice was excellent
  • Encompass
    D
    Daniel S S
    Ladera Ranch, CA
    Posted on August 13th, 2026 06:03 PM
    Good communication
  • Encompass
    P
    Peggy J C
    San Luis Obispo, CA
    Posted on August 10th, 2026 09:46 PM
    More communication of what to expect next
  • Encompass
    N
    Nicholas L
    Spotswood, NJ
    Posted on August 7th, 2026 05:48 PM
    Very easy to work with and quick and honest.
  • Encompass
    M
    Michael R
    Madras, OR
    Posted on July 31st, 2026 06:08 PM
    Communication was clear and timely, speed of processing and closing loan, all agents involved were very polite, knowledgeable, friendly, closing costs were MUCH lower than a different company we had been dealing with. We will ALWAYS use Ladera...
    read more
  • Encompass
    J
    John F
    Glassboro, NJ
    Posted on July 31st, 2026 02:27 PM
    Andy's explanations, suggestions, guide and personality
  • Encompass
    A
    Amy M G
    Rio Rancho, NM
    Posted on July 29th, 2026 06:43 PM
    Just very helpful.
  • Encompass
    J
    Juan G G
    Modesto, CA
    Posted on July 26th, 2026 06:07 PM
    Great communication with all the staff
  • 10 of 340
    About
    I have been in the mortgage banking industry for over 18 years and love putting my experience to work for others. Whether you are a first time home buyer or a seasoned investor, I am here to help. I treat every transaction as if it where my own. I personally try and act as your financial planner and help educate you and your family to assist in making the right decisions for you. No two situations are alike and everyone has different needs. I will help prepare you with all the right information to make the most informed decisions you can.
    Products & Services
    Mortgage Loan Officer
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    Year Started

    2011

    Time Zone

    Pacific Standard Time (PST)
    Licenses
    • NMLS # 331280
    Disclaimer
    Ladera Lending, Inc.
    NMLS # 835555
    Privacy Policy
    NMLS Consumer Access
    State Licenses