Theo Espinosa has been helping clients obtain residential loans since 2002. Theo has always had a passion for addressing the needs and wants of his clients and pairing those with the best loan for their particular situation. We offer a full range of products including Mortgage Loans, Private Money Loans and Reverse Mortgages. Whether you’re purchasing your first home, moving up, consolidating debt, or retiring, Theo provides easy to understand options to help you make informed decisions, while also ensuring you obtain the best rates and programs available.

Mortgage Loans

We offer a full range of mortgage loan products, including:
• Fannie Mae/Freddie Mac /FHA/VA
• Jumbo Loans ($1M+)
• Home Equity Lines of Credit

Reverse Mortgages

For those (age 62+) wanting to eliminate the burden of a mortgage payment and have access to the equity in their home, a Reverse Mortgage offers many advantages:
• Frees up monthly cash flow
• Eliminates mortgage payments
• Gives owners access to the equity in their home for emergency purposes via a secure line of credit

Private Money Loans

We offer alternative financing options for those that may not qualify for a conventional loan:
• Bridge Loans
• Collateral Secured Loans

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