

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 willing to answer all questions that we had as we went through the process. When things needed to be done quickly she informed us and made thing happen.
Reply from Karissa Espinosa
December 1st, 2024 04:38 PM
Hi Sara, I'm thrilled to hear that you found our process smooth and effective. Your feedback is valuable and encourages me to continue providing excellent service. I'm here to answer any further questions you may have about your experience...
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Very knowledgeable Karrisa worked tirelessly on getting me my dream property. She took my calls and was very prompt about explaining the process to Mr and my wife. It being my first home loan she made me feel at ease 😌 ☺️
Reply from Karissa Espinosa
November 27th, 2024 02:06 PM
Hi Charles, thank you for the glowing review! I'm thrilled to hear that you found our interactions informative and reassuring. Nothing makes me happier than helping clients like you attain their dream properties, especially for such a significant...
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Karissa made things so easy and explained any questions I had in a detailed and timely manner.
Reply from Karissa Espinosa
October 31st, 2024 12:38 AM
Thank you so much for the glowing review, Courtney! I'm thrilled to hear that you found my service easy to navigate and that I could help you understand every step of the process. It was a pleasure assisting you with your Conventional loan...
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This is the second time I have used Karissa Espinosa. She is very professional and thorough. I would consider her an expert in this field. She was very transparent about the cost when structuring my loans. There were no hidden fees or surprises....
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Reply from Owner
March 4th, 2025 12:00 AM
Thank you so much Allison! you are absolutely amazing to work with!
I met Karissa several years ago when she was involved with another home of mine. She did a great job. I contacted Stock Yards Bank because my brother, James D (Duke) Greene does a lot of business with your bank. I was pleasantly surprised to...
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Reply from Karissa Espinosa
October 9th, 2024 01:25 PM
Allison, thank you for the incredible review and for the 5-star rating. I'm so glad to hear that you found your experience with me and Stock Yards Bank & Trust to be a positive one. It was a pleasure to assist in making your dream home a reality...
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Karissa was an amazing help start to finish. As first time homebuyers, we were nervous about how the process worked. Karissa answered every question she could and if she didn't know the answer herself, she sought it out from others. She explained...
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Reply from Karissa Espinosa
September 7th, 2024 08:17 PM
Thank you so much, Samuel, for the generous review and the perfect rating. I'm thrilled to hear that you found the homebuying process understandable and my responses prompt. It was a pleasure working with you and helping you through your first...
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No delay in response to any questions or concerns. From the very beginning I felt comfortable and was fully informed on the next step until the final day. Took so much stress away because I was so nervous and never bought a home before. What...
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Reply from Karissa Espinosa
August 11th, 2024 01:15 PM
Hi Mekalia, I'm thrilled to hear that you had such a positive experience with your home buying process. It was my pleasure to ensure you felt comfortable and well-informed at every step, especially since it was your first time buying a home....
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I think the underwriter was going a little extreme on the documents . Some of them didn't exist.
Reply from Karissa Espinosa
August 8th, 2024 09:23 PM
I am grateful that you took the time out to leave us a response. Let us know how we could have helped you further.
Karissa is very thorough and knowledgeable. She made our home buying process very smooth and stress free for us especially when this is our first time buying a house. She was very quick on answering questions and guiding us through processes....
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Reply from Owner
March 4th, 2025 12:00 AM
Thank you so much! I am so thankful to have gotten to work with you!
It was such a smooth process. I love that I was able to contact Karissa anytime If I had any issue. This was a stress free process
Reply from Karissa Espinosa
July 22nd, 2024 11:47 PM
I'm thrilled to hear that you found the process smooth and stress-free, Celeste! Your satisfaction is my top priority, and I'm glad to know that I was able to meet your needs at any time. Your feedback is very valuable to us at Stock Yards...
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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