Scott Contreras

Scott is a proven leader in the mortgage industry, with a reputation for building and leading highly successful leadership teams. Scott is always forward-thinking and continually works to put the team and Ladera Lending in the best position to succeed. He has a passion for developing his teams and driving a company culture that is […]

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), […]

Robert Brown

Robert bought his first home when he was 18 years old. He understood at an early age that Real Estate is the best way to establish wealth. He was fascinated by the loan process, and he was convinced that more people need to understand the process of homeownership. After college, he became a Loan Officer […]

Scott Contreras

Scott is a proven leader in the mortgage industry, with a reputation for building and leading highly successful leadership teams. Scott is always forward-thinking and continually works to put the team and Ladera Lending in the best position to succeed. He has a passion for developing his teams and driving a company culture that is […]

Get Your Mortgage Rate Quote!

I Want My Mortgage Rate Quote!