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

Derek Espinoza 

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 

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

32 Reviews Found. Average score 4.98 out of 5 Stars
Now showing page 4 of 4.

Sergio M. in Torrance, CA

Great Experience on April 16, 2020
My questions were answered in a quick and timely manner. Plus the ease of the online app services were great.
Loan Originator: Derek Espinoza

Jaymie J. in San Diego, CA

Great Experience on January 30, 2020
I felt informed and confident throughout the entire process. It can be stressful and I haven’t had great experiences with my lenders in the past. Derek made it a much better and easier experience.
Loan Originator: Derek Espinoza

Alice H. in Lakewood, CA

Great Experience on December 10, 2019
Open communication. Quick turnaround on responding. Good problem solver for unique financial situations. And offers great recommendations.
Loan Originator: Derek Espinoza

Eugene K. in Lakewood, CA

Great Experience on December 7, 2019
Derek is responsive, knowledgeable, and patient. Everything you would want with a loan officer.
Loan Originator: Derek Espinoza

Roland A. in Lakewood, CA

Great Experience on December 7, 2019
Derek was very professional and a pleasure to work with. He kept me and the borrowers constantly updated throughout the escrow period and in addition to that he also kept in constant contact with the listing agent. I would definitely recommend him to anybody looking for an experienced lender that will find the best rate and terms for you and your borrowing situation whether it be a purchase, refi, or a ADU loan. Sincerely, Roland Avalos Broker West Coast Realty & Asset Mgt. 562-618-9200
Loan Originator: Derek Espinoza

Hegel Q. in San Bernardino, CA

Great Experience on December 1, 2019
The whole process!!
Loan Originator: Derek Espinoza

Everardo D. in Torrance, CA

Great Experience on November 22, 2019
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Loan Originator: Derek Espinoza

Kyle J. in Garden Grove, CA

Great Experience on October 2, 2019
Derek constantly kept in contact and helped guide me in the right direction. Derek became more of a family friend than a consultant. Thank you so much Derek for everything you have done for my family God bless you.
Loan Originator: Derek Espinoza

Not what you were looking for?

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