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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Always kept things moving on and tracked the progress.
Reply from Andy Espineira
July 17th, 2024 03:42 PM
Albert, thank you for the 5 star review, it means a lot. I look forward to getting your rate reduced in the future.
INSTANT COMMUNJICATION BETWEEN ALL PATICIPANTS FOR ALL AREAS OF CONCERN
Reply from Andy Espineira
May 13th, 2024 09:12 PM
Thank you George for the 5-star review, it means a lot to me! We're pleased that our commitment to instant communication across all areas of concern has met your satisfaction. Your positive feedback is much appreciated and it encourages us...
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I previously worked with and started this process with Ryan Onaka in November 2023 but transitioned over to Andy in January 2024 while Ryan was on vacation for a few weeks. The transition was seamless and entire process went fairly smooth....
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Reply from Andy Espineira
July 17th, 2024 03:43 PM
Thanks Geoffrey for the review. Its nice having a in-house second to give to our clients so they don't have to touch there low rate on the first.
Andy is a great guy. Very helpful and easy to talk with.
Reply from Andy Espineira
April 23rd, 2024 07:56 PM
Hi David, its been a pleasure working with you for these past few years. It makes my career worth it, when I can help families get into there dream homes. I look forward to working with you in the future with our Lender for Life program and...
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Overall ladera lending is a great and professional lending company. Very pleased with the results.
Reply from Andy Espineira
March 20th, 2024 02:32 AM
Jose, thank you so much for the kind words. Congratulations on your first home. I look forward to working with you on your FREE refinance when rates drop a bit.
Andy Espineira was my loan officer with Ladera Lending. Andy is the BEST loan officer! Hurry up and call him to start the process. I cannot recommend him enough. My home loan was just approved on 3/8/24, and I just purchased my first home....
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This is our third time working with Ladera and second time working with Andy and team. All three experience have been great. No pressure and always have helpful advice and excellent service.
painless experience
Your understanding and your patience an all of your help! Being of the older generation(boomers) and not being able to maneuver computers & emails we really appreciated your patience , understanding, and support because we were Very Stressed...
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We trust Andy to tell us like it is. He's a straight shooter and doesn't waste our time trying to "sell" us. He's thoroughly professional, responsive, and experienced.
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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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