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Portrait of Derek Espinoza
MAIN: 562-619-3804
OFFICE: 562-619-3804
NMLS: 322360
Company NMLS: 227262

Derek Espinoza 

Retail Branch Manager 

Not what you were looking for?

Scroll through the list below to find our branch locations and Mortgage Loan Originators.
MAIN: 562-619-3804
OFFICE: 562-619-3804
NMLS: 322360
Company NMLS: 227262

Derek Espinoza 

Retail Branch Manager 

Get ready to get approved!

It’s easy to get prepared for your application. Depending on your unique financial situation, there are several documents you might need when applying for a home loan. It’s a good idea to start prepping your financial documents before you start to ensure a smooth application process. Here is a list of the most common documents to have on hand before you start:

  • Two most recent years W2s
  • Two most recent years tax returns (personal & business if applicable)
  • Two most recent paystubs
  • Two most recent months bank statements
  • Two most recent months 401K or retirement statement
  • Copy of front of valid drivers license

Apply Now

Click link to see applicable state licensing.

About

As you consider selling, buying, refinancing, or even building your dream home, there is a lot riding on your Mortgage Loan Originator. With mortgage programs and market conditions changing constantly, you need to make sure you are working with a skilled professional who can respond to you quickly.

As an experienced Mortgage Loan Originator, I understand everyone’s financial situation is different and should be treated as such. I am committed to providing my customers with mortgage services that exceed their expectations. I have the knowledge and expertise you need to make the right choice for you and your family.

I hope you’ll check out my website, look through the different loan programs I have to offer, and use USA Mortgage’s secure online application to start the journey towards your new home. After applying, I’ll give you a call to discuss the details of your loan, or we can find a time to meet in person to look over it all together. I can always be reached by phone, fax, or email for individualized service or if you have questions throughout the process. I look forward to working with you!

Reviews

25 Reviews Found. Now showing page 1 of 3.

Brent S. in Running Springs, CA

Great Experience on November 19, 2021
Derek made it great , communicative , definitley know s loans better than most loan officers ive met . Smooth transaction and fairly quick turn around , thank you all.
Loan Originator: Derek Espinoza

Lorena M. in Torrance, CA

Great Experience on November 15, 2021
Great overall service!
Loan Originator: Derek Espinoza

Eric L. in Inglewood, CA

Great Experience on October 11, 2021
Great communication, everything was made clear and all questions were answered. Speedy service, once we provided everything they needed, the process was fast and easy. Great team , I felt confident and comfortable in their ability to complete this process
Loan Originator: Derek Espinoza

Miguel A. in Banning, CA

Great Experience on October 1, 2021
Derek was always available and willing to answer any and all questions any time of the day and any day of the week. He was very thorough in explaining and breaking things down in terms I could understand. Derek was extremely helpful.
Loan Originator: Derek Espinoza

Jason S. in El Cerrito, CA

Great Experience on September 3, 2021
Derek is very persistent and thorough, he finds a way to get things done for his customers. He is also highly accessible and maintains excellent communication throughout the process.
Loan Originator: Derek Espinoza

Robin H. in Chino Hills, CA

Great Experience on August 18, 2021
Great communication. Very knowledgeable which helped do much.
Loan Originator: Derek Espinoza

Edward G. in Riverside, CA

Great Experience on July 8, 2021
Communication was key, easy to follow graphs, very pleasant on phone and always reached out throughout the process.
Loan Originator: Derek Espinoza

Mario D. in Gardena, CA

Great Experience on January 13, 2021
Derek took the time to explain the very complicated loan process and loan language. He kept us updated throughout the process and made it as smooth as possible.
Loan Originator: Derek Espinoza

Steven J. in Long Beach, CA

Great Experience on June 13, 2020
Very professional and timely service from someone who has great knowledge of the process.
Loan Originator: Derek Espinoza

Robin M. in Ontario, CA

Great Experience on June 12, 2020
Derek was awesome. He was very professional and very knowledgeable about our situation. I appreciate everything he did for us.
Loan Originator: Derek Espinoza

Not what you were looking for?

Scroll through the list below to find our branch locations and Mortgage Loan Originators.