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 […]

Jason Smith

Throughout my 15-year mortgage career, I have helped over 1500 clients fulfill their dream of homeownership or improve their financial situation with a cash-out or interest rate reduction refinance. I specialize in Cash-Out refinances, Rate/Term refinances, and Purchase transactions. I offer and have a strong knowledge base in all residential loan types including Non-Agency (Jumbo), […]

Paul Bogosian

As a Sales Manager and Loan Officer, I have helped thousands of clients achieve their financial goals and homeownership dreams. My main goal in every transaction is to make the process as quick and easy as possible. I hope to not only be your mortgage professional for one transaction, but for any of your mortgage […]

Kristopher Hartmann

I was born and raised in Southern California. I began my career in the mortgage industry in 2003. Since then, I’ve had the pleasure of helping hundreds of families to better understand the largest asset they own, their home. The mortgage refinancing and lending process can be both intimidating and stressful if left in the […]

Randy Sodeman

I have been helping clients for over 20 years navigate the mortgage process to find the best solution for their specific needs. My goal with every client I work with is to make the process as smooth and stress free as possible, while hitting all their financial goals. Taking the time to find out your […]

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