
Chuck Espinoza
Loan Officer
Building trust, one borrower at a time.
Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.
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.
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.

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NMLS ID #1153841
I am authorized to do business in the state of Texas.


