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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
Mortgage
Mortgage Loan Officer
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Contact Info
(949) 309-2787
Ladera Ranch, CA
https://laderalending.com/team-member/andy-espineira/
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Reviews from Web
  • Encompass
    C
    Charles H W
    Las Vegas, NV
    Posted on September 20th, 2026 01:28 AM
    Andy helped us not only get a lower interest rate but he listened to our needs and made sure we got them.
  • Encompass
    M
    Melissa K
    Spokane Valley, WA
    Posted on September 17th, 2026 09:00 PM
    Great job! Easy process and fast funging.
  • Encompass
    T
    Tyler D
    San Clemente, CA
    Posted on August 25th, 2026 06:04 PM
    was very easy to work with. Had a very competitive rate right from the start. Less expensive than others. Would definitely use again in the future and recommend two friends and family.
  • 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...
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    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