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 and manage the Corona Branch for Ladera Lending, Inc. I have been successful in this industry because […]

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 […]

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