Andy Espineira

Andy Espineira

5.0 of 5 18 Reviews
Ladera Lending, Inc. - NMLS ID 835555

555 Corporate Drive Suite 215, Ladera Ranch, CA, 92694 NMLS ID: 331280

Licensing/Registration information on this individual can be found by clicking the NMLS ID number

About Me

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.

Office Location

555 Corporate Drive Suite 215, Ladera Ranch, CA, 92694

Get Directions

Ratings & Reviews

18 Reviews
(5.0 of 5)
  • Interest Rates
  • Fees & Closing Costs
  • Responsiveness
  • Customer Service

Review Breakdown

(5 of 5)

Candid feedback and advice

Candid feedback and advice throughout the process.

Osigwe Daniel I from Melbourne, FL

(5 of 5)

Great experience, Andy is the best!

Seriously, Andy Espineira is THE BEST to work with! This is the second (maybe third??) time I've worked with him and he gets the job done and is super responsive! Other lenders I've worked with take sometimes days to get back to you, but not Andy, he's on the ball. Andy was able to refinance our primary home as well as our rental and secured great rates for both. I couldn't be more happy with the experience and his professionalism.

Denise from Morgan Hill, CA

(5 of 5)


I came across Ladera Lending and spoke with Andy Espineira and he said he would look and see what he could do. He got back to me super quick and let me know that he could beat it the other offer we had gotten. In addition to that he was able to qualify me for a 30 year loan on my income alone so we didn't have to jump through the self employment hoops. The experience was wonderful! Andy and his team were always quick to respond and stuck to the timeline they gave me at the beginning which we really appreciated. We always dealt with the same few people instead of having to call in and hold for an hour to talk to someone different each time. We will definitely use them again for any other mortgages or refinances we do in the future.

Kaitlyn from Las Vegas, NV

(5 of 5)

Best Experience!!

I worked with Andy Espineria when I needed extra money to complete my remodel and could not refinance due to the house being gutted. He helped find me a loan to get me through that tough time. Once the remodel was completed, he worked with me on refinancing and getting the best option based on my less than perfect credit. He was always available and honest, which I appreciated! I am very happy with my experience with Ladera Lending and Andy. I also want to give a shout out to Darlene Hiraki and Myron Keyes. They were both prompt and patient in their replies and answering my 'dumb' questions.

Candace from Costa Mesa, CA

(5 of 5)

The BEST Experience

We worked with Andy on the refi of our real estate property in LA County - what a great and very personal service, and great INSTANT communications! We never thought that the process could be so easy, hassle-free, quick and pleasant; Yes PLEASANT! Highly recommended Andy and his team to anyone who is considering financing options for their real estate.
Thanks Andy!

Eugene from West Hollywood, CA

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