Karissa Espinosa
Mortgage Loan Officer | NMLS 1455273
Karissa grew up watching her father in the mortgage industry and as she went into her final semester of college, made the decision that upon graduation, she would give her go at being a loan officer. Hesitant to pursue the career, she began... Show More
Location & Business Hours
Business Hours
Wed
9 AM to 4 PM
Thu
9 AM to 4 PM
Fri
9 AM to 5:30 PM
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Reviews from Web
Karissa was great with her communication and timeliness as well as guiding me through the process and making sure everything was clear to me. She took her time and in the end I am very satisfied with her service.
Reply from Karissa Espinosa
June 8th, 2023 07:25 PM
Thank you for the 5-Star review. If you need anything, feel free to give us a call.
Karissa was amazing to work with. She always responded back let me know what I needed to do. She helped me when other's didn't seem to want to. She got me approved with no money down. If I ever buy again I will definitely work with Karissa...
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Reply from Karissa Espinosa
June 20th, 2023 12:01 PM
Thank you so much Chris! It was great to work with you and I am here to help however I can!
Karissa responded to all my questions in a timely manner. Being a first time Home Owner I was very nervous about making this transition but Karissa explained everything to me either via emails or text. I am very happy I used SYB for my first...
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Reply from Karissa Espinosa
June 20th, 2023 12:02 PM
Thank you so much Candice! You were such a pleasure to work with, I am so happy we got you in as stress free as possible!
She was great to work with! Helped me all the way through the process. She's great
Reply from Owner
September 30th, 2026 01:52 PM
Lisa, thank you so much for trusting me to help you get the best deal and let your mortgage and equity do some work for you! You know, if you ever need anything, all you have to do is reach out and I will continue to be here to assist you!...
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Reply from Karissa Espinosa
September 23rd, 2026 07:29 PM
I'm grateful for your feedback, Greg. At Stock Yards Bank & Trust, I aim to provide clear and effective communication. If there's anything further I can assist you with, please let me know.
Karissa was professional and prompt with all of our questions and concerns.
Reply from Karissa Espinosa
September 22nd, 2026 02:05 PM
I'm pleased to hear that you found my assistance professional and prompt, Gemma. At Stock Yards Bank & Trust, we strive to address all questions and concerns efficiently. If there's anything more you need, please feel free to reach out.
Karissa was very informative about the homebuying process and all my available options. She quickly answered my questions, communicated any reminders and check-ins, and kept me well informed. Additionally, her persistence and tenacity in finding...
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Reply from Karissa Espinosa
September 7th, 2026 01:52 PM
I'm thankful for your kind words, Dana. I'm glad I could provide you with the information and support you needed throughout the homebuying process. Your appreciation for my persistence and communication means a lot to me.
Karissa is the best. Very helpful and knowledgeable.
Reply from Karissa Espinosa
September 3rd, 2026 05:42 PM
Thank you for your kind words, Lisa. I'm pleased to know you found my assistance helpful and knowledgeable.
I was a first time homebuyer ans Karissa was wonderful and very patient with me.
Reply from Karissa Espinosa
September 3rd, 2026 03:23 PM
I'm glad to hear that you felt supported as a first-time homebuyer, Kayla. It was my pleasure to assist you and ensure the process was smooth and patient.
Karissa has always gone above and beyond for us in all of our experiences with her, and this latest one only adds to that list! Highly recommend her and the entire team at Stock Yards Bank.
Reply from Karissa Espinosa
August 19th, 2026 01:50 PM
Thank you for your kind words, Christopher. I'm pleased to know that your experiences with me have been positive and that you would recommend us. It's always my goal to go above and beyond for my clients.
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About
Karissa grew up watching her father in the mortgage industry and as she went into her final semester of college, made the decision that upon graduation, she would give her go at being a loan officer. Hesitant to pursue the career, she began in July of 2016 and has loved every second of it. She quickly found that this was a passion of hers, to help people finance their first home, their dream home, or their forever home. Karissa is here to help all of your mortgage needs.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Construction Loan
Adjustable Rate Mortgages
USDA Loans
Cash-Out Refinances
Specialities
Mortgage Lending
FHA Mortgages
Portfolio Mortgages
Conventional Mortgages
USDA / RHS Mortgages
Right at Home 100% Financing Mortgages
Indiana Housing Down Payment Assistance Mortgages
Kentucky Housing Down Payment Assistance Mortgages
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Memberships
- Mortgage Bankers of Louisville
- 1si - One Southern Indiana Chamber of Commerce
- Habitat for Humanity Women's Build Committee Clark and Floyd
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2016
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS #1455273
Achievements
- Top 10 LO's with Stock Yards Bank 3 years in a row.
Hobbies
- Photography
- OneWheels
- Outdoors / Nature
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Disclaimer
2024 Stock Yards Bank & Trust. All rights reserved. Routing Number: #083000564. Member FDIC, Equal Housing Lender