Andy Espineira

I began my mortgage career in 1997 as a loan consultant doing only FHA purchases and loved every minute of it. Eventually I opened my own brokerage firm and operated it for about 10 years. Over several years due to all the changes in the marketplace, I quickly realized the importance of being a direct […]

Joe Totah

I am proud to be one of the Sales Managers here at Ladera Lending. While I am based out of Southern California, I am happy to help clients across the country with all their mortgage needs! I have been in the mortgage industry for over 18 years. I received my special designation as an Accredited […]

Hiro Watari

I’m a Southern California based mortgage professional and sales manager for Ladera Lending, a direct lender located in Southern Orange County. With more than 8 years of mortgage industry experience coupled with over 10 years of legal practice, I have been advising clients in various areas of finance and real estate since 2003. The value […]

Gene Davis

I was born and raised in Southern California. I have over 20 years in the mortgage finance industry. I have always believed in the “Client for Life” philosophy. I have had the pleasure of assisting all my clients through one of the biggest financial experiences of their lives, their Real Estate investments. I keep my […]

Marlon Escota

I was born and raised in Southern California. I am one of a kind and bring a no-nonsense attitude in everything that I do. I have 18 years of residential financing experience with Purchase and Refinance money. I have been with Ladera Lending since 2012 and have been a key contributor to the company. My […]

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