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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

21 Reviews Found. Now showing page 1 of 2.

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

Joseph S. in San Pedro, CA

Great Experience on May 27, 2020
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Loan Originator: Derek Espinoza

Kimberly R. in Long Beach, CA

Great Experience on May 18, 2020
Information was clear and the process was streamlined with consistent communication throughout. Derek and his team were professional, knowledgeable and helpful. Great experience overall.
Loan Originator: Derek Espinoza

Andrew G. in Hawthorne, CA

Great Experience on May 2, 2020
Derek is great to work with and made the process as smooth as possible for me. He was in constant communication and always 2 steps ahead to ensure I was prepared for what was going to be required from me. A stress free experience made me a very happy client! Thanks again Derek for all your hard work!
Loan Originator: Derek Espinoza

Anna S. in San Pedro, CA

Great Experience on May 1, 2020
Derek is the hardest working loan broker I've ever worked with.
Loan Originator: Derek Espinoza

Not what you were looking for?

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