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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
    E
    Erin B
    Blaine, WA
    Posted on February 19th, 2026 03:59 PM
    I appreciated Andy's responsiveness, but there were setbacks with the Figure application that delayed approval.
  • Encompass
    R
    Ronald L H
    Fallon, NV
    Posted on January 19th, 2026 06:24 PM
    Andy made it great !
  • Encompass
    J
    Joan C
    Canton, TX
    Posted on January 19th, 2026 02:03 PM
    Very pleasant to talk to and addressed all my concerns
  • Encompass
    L
    Lloyd L P
    Colorado Springs, CO
    Posted on January 13th, 2026 08:33 PM
    The professional service I received
  • Encompass
    M
    Marc S
    Little Egg Harbor TWP, NJ
    Posted on December 24th, 2025 07:03 PM
    Everyone made our process simple and easy. They managed to get us from application to closing in less than 2 weeks. An incredible team!
  • Encompass
    A
    Anthony C
    Seattle, WA
    Posted on December 21st, 2025 08:59 PM
    communication everything done online as well. Submitting all the paperwork don't have to go back-and-forth to an officer.
    Reply from Andy Espineira
    December 22nd, 2025 07:39 PM
    We appreciate your feedback. It's great to hear that you found our online communication and document submission process convenient. Streamlining this aspect is important to us at Ladera Lending, and we’re glad it improved your experience. If...
    read more
  • Encompass
    K
    Keith W
    Marshfield, MA
    Posted on December 17th, 2025 08:05 PM
    Reinancing can be daunting, and Andy and his team walked us through making some important decisions in regards to sertting us up financialy in the future. They took us through each step and explained things in great detail, to help us see the...
    read more
  • Encompass
    D
    Donald H
    Ladera Ranch, CA
    Posted on December 16th, 2025 10:28 PM
    Andy was very on top of everything and helped us get through the hiccups of the process extremely well
  • Encompass
    D
    Dennis J J
    BUCKEYE, AZ
    Posted on December 11th, 2025 07:04 PM
    Speed it's done
  • Encompass
    C
    Cassandra Y P
    San Antonio, TX
    Posted on December 11th, 2025 04:10 PM
    I was always able to get a prompt response and everything was explained clearly.
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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