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 […]

Michael Adams

I am a Senior Loan Officer at Ladera Lending with more than 10 years of experience in the mortgage industry. I will guide you through the process to achieve whatever home loan goals you may have. I have experience working with all types of traditional and non-traditional loan products including Conventional, High Balance, Jumbo and […]

Devang Anand

I was born and raised in London, England, and have lived in California for the past 9 years. I have over 5 years of experience in the mortgage industry. In addition to this, I also have an undergraduate degree in Finance and Business Management. One thing I have always stood behind is making sure that […]

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