Jim Henderson

I was born and raised in Southern California. Almost forty years ago, I began my banking and finance career at a local Southern California Savings and Loan. I began that journey by focusing on learning as much as possible about the banking and mortgage lending industry. As my level of knowledge and experience grew, I […]

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), […]

Brian Spinuzzi

I am a proud father of four wonderful children and married for over 25 years. Mortgage and Real Estate have been my career since 1997. With my roots in the Inland Empire, I currently reside in Corona, CA. I have been successful in this industry because of the relationships that I have built with clients […]

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