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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

29 Reviews Found. Now showing page 1 of 3.

Weston V. in Valencia, CA

Great Experience on March 12, 2022
Transparent and quick communication of every step of the process.
Loan Originator: Derek Espinoza

Grant H. in Fawnskin, CA

Great Experience on January 20, 2022
Derek made it great
Loan Originator: Derek Espinoza

Alice L. in Fawnskin, CA

Great Experience on January 17, 2022
This isn’t my first time working with Derek. He is so knowledgeable and kind I recommend him and would recommend him to anyone looking to buy a house or remortgage!
Loan Originator: Derek Espinoza

Jesse F. in Orange, CA

Great Experience on January 14, 2022
Derek was very clear and direct in communication. He got my loan dialed in with no problems and he provided top notch service.
Loan Originator: Derek Espinoza

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

Not what you were looking for?

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