My husband and I were trying to take advantage of the low COVID rates so we went with the first lender we talked to (Quicken Loans) and they told us it would be about 30 days to close. Well after about 70 days we still hadn't closed and they were still requesting proof of my husband's self employment income. Needless to say we were ticked. Before pulling the plug I started looking into other lenders to see if anyone could match their offer (closing costs, interest rate, and payment). Well I came across Ladera Lending and spoke with Andy Espineira and he said he would look and see what he could do. He got back to me super quick and let me know that he could not only match Quicken's offer but he could beat it. In addition to that he was able to qualify me for a 30 year loan on my income alone so we didn't have to jump through the same self employment hoops that we had been dealing with for the last 2 months. We bailed on Quicken Loans and started working with Andy at Ladera Lending and the experience was so different! Andy and his team were always quick to respond and stuck to the timeline they gave me at the beginning which we really appreciated. We always dealt with the same few people instead of having to call in and hold for an hour to talk to someone different each time. We will definitely use them again for any other mortgages or refinances we do in the future. read more

I submitted an application for re-fi with my current Lender and found that they were not responsive to the many emails and phone messages I had left for them over a weeks time. As I expressed my frustration to my friend, she gave me a referral to contact Andy Espineira, Ladera Lending, Inc. This was the best move I made. I telephoned Ladera Lending and spoke directly with Andy who was very informative and understood my frustration. I completed the application that evening and found that Andy and his team were very responsive, provided great direction and easy to work with. The whole re-fi process was seamless and quick! I highly recommend Andy and his team for your refinance needs. Thanks!!!! read more

I was searching for best possible rate / closing cost combo and found Andy on one of the sites and called him and instantly felt comfortable that he was going to do me right, so I gave him the chance and I am happy I did. Andy offered great customer service and I did not feel like a number and get passed around among different people/ departments. He was there to help the whole way. Even after the close I had some questions ( I ask a lot of questions), and I got immediate follow up, although he could have just ignored me. All and all as good of an experience as I could have expected with a refinance. I would recommend at least give him a call and see for yourself. read more

***This review is only for Andy Espineira, as that is the only agent I have worked with.*** We worked with Andy to purchase our condo and to Re-Fi over a year later. Each time they helped us secure a very strong rate. Not only was the rate great, but the fact that we closed in about 3 weeks was amazing. Even the re-fi process was quick and painless, not to mention saying us .5% which translates to a huge savings over the life of the loan. Being first time home buyers, we really appreciate Andy taking the time to address ALL our questions. And sometimes they were repetitive but he always provided excellent customer service. read more

I worked with Andy Espineria when I needed extra money to complete my remodel and could not refinance due to the house being gutted. He helped find me a loan to get me through that tough time. Once the remodel was completed, he worked with me on refinancing and getting the best option based on my less than perfect credit. He was always available and honest, which I appreciated! I am very happy with my experience with Ladera Lending and Andy. I also want to give a shout out to Darlene Hiraki and Myron Keyes. They were both prompt and patient in their replies and answering my 'dumb' questions. read more

Worked with Andy who came recommended by the broker. Andy gave us a quote within ONE DAY of receiving our paper work, which was extremely easy due to the secure web site they have set up to receive documents. Over the next month we closed the loan and the handing off to a lender (Wells Fargo in our case) was seamless. I got all the paperwork and was able to close in record time. Andy assisted every step of the way and provided valuable advice and comparison, and at no point did I feel pressured into accepting anything I didn't want. I would work with Andy again any time. read more

Even though we had refinanced early this year, just before the plague hit the fan, we were recently contacted by Mortgage Banker & Direct lender, Andy Espineira with an offer to take advantage of a new configuration of our prior mortgage arrangement -- which was very good at that time. Andy and his associates, and Ladera Lending, fulfilled their Lifetime Rate Protection Guarantee quickly and efficiently. All promises were kept. And the Lifetime Rate Protection Guarantee is still active -- for us, AND any family members. It doesn't expire after one use. read more

We worked with Andy to purchase our condo and to Re-Fi over a year later. Each time they helped us secure a very strong rate. Not only was the rate great, but the fact that we closed in about 3 weeks was amazing. Even the re-fi process was quick and painless, not to mention saving us .5% which translates to a huge savings over the life of the loan. Being first time home buyers, we really appreciate Andy taking the time to address ALL our questions. And sometimes they were repetitive but he always provided excellent customer service. read more

This past week I went through the process and refinanced my home for the first time. I had the pleasure of dealing with Andy Espineira at Ladera Lending. Andy had the knowledge, experience, professionalism and customer service that is extremely rare to find these days. Most people out there do things to benefit themselves. Andy did what was right for me and right for my situation. I would strongly recommend Andy Espineira to anyone that is about to go through the refinance process. read more

The processing period for this loan was the quickest response we've ever had from a mortgage broker. Andy Espineira and his assistant Marko Mardonovich were not only EXTREMELY helpful and courteous throughout this process, but they were immediately responsive to any of our questions and concerns. It made the entire loan application process easy, stress free and enjoyable. It's not every Loan Officer who will provide you his cell number even when he's traveling away from the office. read more

Literally couldn't be more pleased if I tried with Ladera and Andy Espineira. After a 3 month nightmare trying to get a slam dunk refi on a 15yr with a competitor.. we finally gave up and switched to Ladera. Best decision ever. Our 15yr refi @2.25% opened and closed in under a month as promised. Started 7/29, closed 8/26 and Funded 8/31. It was so simple and easy and no nonsense. We went from a 2.625% rate to 2.25% and saved thousands. You should too.. Beyond Grateful. read more

We did our mortgage refinance in the month of April/May 2014. My case wasn't quite straightforward. But Andy did provide all the explanations, asked for the correct documents, notories etc and got us through. There were hiccups, but that's because of some specific docs needed. Andy was always on top of things, asking for the right documents and providing accurate time estimates. The loan we did was zero cost loan and lowered my interest rate. Highly recommended. read more

I had been looking to refinance my mortgage for several years and it wasn't until I connected with Andy that I was able to do it. Andy was great to work with. He worked hard to get us the best rate possible and closed the loan when he said he would. Now several months after our loan closed Andy has been monitoring our account and is helping us to reduce our rate further. I would recommend people give Andy a chance to get you a good rate on your mortgage. read more

Throughout our refinancing application and process, Andy showed high professionalism through his timely response to emails and phone calls. He helped clarify and reinsure when there were concerns and lack of understanding. We had a really bad experience a couple of months prior with a different lender which created a high hesitation to refinance again. Andy's approach eased our hesitation and we were able to complete our refinance. Thank you Andy! read more

Andy Espineira was/is amazing! We originally were going to go with another lender and not only did he come in with a much cheaper loan but his service was fast and efficient. The communication was great and he kept us informed and up to date throughout the process, something we greatly appreciated as first time homebuyers. We will definitely be using him again in the future when needed. I would highly recommend him, you will not be disappointed. read more

This review is for Andy Espineira, our loan officer with Ladera Lending From the very beginning, Andy was very professional and concerned with our needs and questions. I had a lot of questions and he always answered them. I never felt like he was too busy for us. The whole process was expertly handled, almost seamless. We are very pleased. If we ever refinance or purchase another home, Andy will be the first one that we call. Thanks Andy! read more

This was my first experience with refinancing. Andy Espinera was super helpful and responsive. He took the time to respond the same day to my calls and emails, answered all of my questions, and explained all of the options that were available. He was patient and supportive throughout the process and made it very simple and easy for me. I highly recommend him for first time buyers as well as more experienced buyers. Thanks again! read more

Seriously, Andy Espineira is THE BEST to work with! This is the second (maybe third??) time I've worked with him and he gets the job done and is super responsive! Other lenders I've worked with take sometimes days to get back to you, but not Andy, he's on the ball. Andy was able to refinance our primary home as well as our rental and secured great rates for both. I couldn't be more happy with the experience and his professionalism. read more

Janet W. Great experience working with Andy Espineira and staff members during my refinancing of a Wells Fargo mortgage lone. He was quick reply to all my phone calls or emails. He took the extra time to explain everything that was going on during the processing. Everything was done in a professional and timely manner. I highly recommend him and his staff to all who are seeking to finance or refinancing a lone. read more