Andy Espineira
Site Manager - VP | NMLS # 331280
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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Very easy experience
Reply from Andy Espineira
October 22nd, 2024 05:43 PM
It's fantastic to hear that you had an easy experience, Michael. Your 5-star review for Andy Espineira at Ladera Lending is greatly appreciated. We strive to provide the highest level of service to our customers. Thank you for your feedback!...
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Very happy with the mortgage evaluation and approval process. thank you Andy and Myron for making it easy and quick.
Reply from Andy Espineira
July 31st, 2025 01:00 AM
Craig, it was a blessing to be able to help you and your family with your refinance needs. I wish you the best of luck!
I trust Andy and I felt comfortable working with him and his team.
Reply from Andy Espineira
October 3rd, 2024 03:37 AM
Thank you Griselda. You where a pleasure to work with. Makes my job look easy :).
The team was very responsive and informative. Highly efficient which made the closing process prompt and pain free.
Reply from Andy Espineira
October 3rd, 2024 03:37 AM
Hi Melissa, we definitely appreciate your kind words and look forward to working with you again!
Even when there were rough points you worked with me to find the solutions. even if I stressed out because we were few days before the closings and the underwriter made hard life, you found the way to make it happen. these are the things that...
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Reply from Andy Espineira
October 3rd, 2024 03:39 AM
Hi Lior, thank you for the kind words. Underwriting definitely can have its challenges, but we got thru it together. It was a team effort.
Everything was great. The refinancing process Ladera Lending provided was fast and everyone at there helped make everything as smooth as possible. They answered any and every question I had. I thank Nico Sharp, Andy Espineira and Myron Keyes...
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Reply from Andy Espineira
October 3rd, 2024 03:41 AM
Thanks Russell for the compliments. Dealing with probate stuff is never an easy task. However, you managed thru it quite nicely. We look forward to doing it again. It will be even easier.
Very seamless, no frills, fast process. Andy and team were great to work with, followed up from beginning to end. I will be coming back to refi for sure.
Reply from Andy Espineira
August 9th, 2024 08:51 PM
So happy to hear that you found the process seamless and fast, Kimberly. Your kind words are truly appreciated! It was a pleasure working with you throughout the process and I'm delighted knowing you'll be back for your refi. Looking forward...
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Hiro’s profesional, proactive and prompt service
Reply from Andy Espineira
August 9th, 2024 09:17 PM
I really appreciate your kind words, Ma. I'm thrilled to hear that you found our service professional, proactive, and prompt. At Ladera Lending, we always aim to deliver the best possible service to our clients. Your rating of 4.83 out of 5...
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very professional team work
Reply from Andy Espineira
July 17th, 2024 03:41 PM
Thank you Vinh for entrusting me in your first time home purchase. When your other lender declined your loan and put you past your close of escrow, we where able to get it extended and close your purchase in 11 days. Pretty awesome!
The whole process was seamless from start to finish. I appreciated the communication and team work Ladera provided. Thank you so much for helping me buy my first home!
Reply from Andy Espineira
July 16th, 2024 05:21 AM
Kimiko, thank you for the kind words. It was a pleasure working with you and your family. I look forward to getting you that free rate reduction as rates start to come down with our Client for Life Program.
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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
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