Select from hundreds of loan products tailored to your needs
Chuck Espinoza
Loan Officer
NMLS# 1153841
About me
With over 32 years of experience, I am well-equipped to guide you through the entire home-buying process. Whether you’re searching for your first home, a second home, or an investment property, I am here to make your journey as smooth as possible.
Born and raised in Laredo, I have called San Antonio my home for over 25 years. I am fluent in both English and Spanish. My extensive background in processing, underwriting, operations, compliance, and closing has given me the knowledge to assist buyers effectively. It has been an honor to help hundreds of families take the life-changing step toward homeownership, and I would be delighted to help you achieve your homeownership goals.
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Let’s find the right home loan for you
We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.
Conventional
Down payment assistance
FHA
All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
home equity insights
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Testimonials
Chuck Espinoza is one of San Antonio's Best Home Loan Mortgage Officers cares deeply about his clients and service.
Mr. Espinoza was very professional and very knowledgeable and worked very quickly at getting me this loan he was very prompt answering my phone calls and emails I highly recommended Mr. Espinoza.
Chuck is highly professional, knowledgeable and responsive. Always looking out for my best interests.
Chuck was prompt, professional, and knowledgeable. He was patient and thorough answering all of my questions. He really looked out for my best interest and help me in any way he could to obtain the best loan. This will be the second time I work with Chuck because he brings honesty, transparency and trustworthiness in what he does. He made my home purchase be so easy and a very positive experience. He was there until the end of the closing day and made himself available for any questions I might encounter during the process. I think he goes above and beyond his duties. I am very proud to recommend Chuck to anyone wanting a positive home purchase experience.
Chuck was friendly and easy to work with. Being a first time home buyer I was really nervous; he explained and answered every single question I had.
Chuck always goes above and beyond to be ahead of everyone in the transaction, he does his due diligence well before we begin shopping for homes, he is fully bilingual and has access to many products for our clients. We have been working with Chuck for many years and he is still batting 1000%. Every transaction has been smooth and we consider him a valuable part of our team. Our clients absolutely love him. We strongly recommend you get your mortgage with Chuck.
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