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Ladera Lending

Confirmed Lender

Mortgage Banker, NMLS (18 years experience)

Specialties:
Consulting,
Purchase Loan,
Refinancing,
Home Equity

Ratings & Reviews

Ladera Lending worked very thoroughly on the loan documents. They reviewe document very carefully. But if you have all the requested documents, they closed the loan very quick. My house was refinanced with a lowest rate at that time with no point no costs. I was very happy with the transaction.

  

04/28/2015 - thanhdphung
Closed refinance loan. East San Jose, San Jose, CA

Ladera Lending worked very thoroughly on the loan documents. They reviewe document very carefully. But if you have all the requested documents, they closed the loan very quick. My house was refinanced with a lowest rate at that time with no point no costs. I was very happy with the transaction.

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04/10/2015 - kelmil0708
Closed refinance loan. Palm Desert, CA

***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 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.

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04/02/2015 - heartcats1
Closed refinance loan. Ojai, CA

I had such a great experience refinancing my home loan with Ladera Lending. Andy Espineira was my loan officer and I cannot say good enough things about him. He was courteous, professional, personable, answered all my questions, explained everything in detail and anytime I had a question or concern I could easily reach him. I would highly recommend Andy and Ladera Lending.

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03/17/2015 - john kapral
Closed purchase loan. Palm Desert, CA

***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.

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10/22/2014 - Michelle Hayes
Closed purchase loan. Central Beaverton, West Slope, OR 97225

Andy Espineira was great to work with.My husband and I have worked with him for over 10 years. We live in Oregon and have always appreciated his quick response time to our emails when we've had questions. I would highly recommend him!

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10/07/2014 - mdpatil
Closed refinance loan. Garden Grove, CA

We did our mortgage refinance in the month of April/May 2014. Loan officer was Andy Espiniera. I contacted Ladera Lending based on their information from bankrate.com. They provided me all the options and different rates. 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. Just want to say, I got my refi done and have a positive view about them.

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08/21/2014 - RWICAR
Closed refinance loan. Golden Valley Acres, Hesperia, CA 92344

I called Andy after finding him on a search site with no prior knowledge of him, just called because he showed the best rate/ closing cost ratio I could find, and I immediately felt comfortable with his knowledge and follow up. He handled my refinance and it went as easy as can be expected. Even now a few months later I emailed him about a question on the closing, and he immediately responded with an explanation that resolved my question.

At least give him a call, you won't feel pressured into anything and he always seemed willing to give good advice.

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08/15/2014 - fredffb
Closed refinance loan. Fairfield, CA

My wife and I dealt with Bob Soto and aside from an extremely minor glitch with the e-signing, our experience with Ladera Lending was wonderful. Bob followed up on every aspect and explained it all thourohly. He was very knowledgable and took the time needed to make the process smooth. From start to finnish our loan funded in well under a month and exactly on scedule with what Bob had said. I will definately recommend Ladera Lending and Bob Soto. Fred & Amy B.

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07/24/2014 - liao0032002
Closed refinance loan. Pittsburg, CA

Soren was wonderful from the beginning to the end. He works very hard to make sure all of the documents are sent to me with timly fashion. He is patient with us given that we are living in Germany, which makes it difficult for him to get all the paperwork signed and complete via email. He has been a great friend to our family since our first home loan, we are not just client and broker but we are more like friends.

He needs to have a pay raise given the amount of work he has done and the efforts he had put into our application. Due to certain mistakes, I was informed that he was not able to receive commission from our loan, please find ways to make sure that Mr. Soren gets what he deserve. Your company is very lucky to have him, I know he will do his best for every customer, so make sure he is well treated and taken care of, specially his family!

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06/26/2014 - khowell58
Closed refinance loan. Wildomar, CA

Patrick Creavy helped my Mother and I refinance our mortgage. We were able to save approximately $400.00 a month and the entire experience was fairly painless. I would definitely recommend Ladera Lending and Patrick Creavy for your mortgage needs. Great service!!!

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