With 13 years of experience in the banking industry and closed transactions thru-out Florida, Ivette is committed to providing the best possible experience for you and your clients. The only one goal in mind is your mortgage resource for Florida residential real estate financing.
As a licensed Loan Originator in Florida, Ivette can assist you with your home loan needs, including First-Time Purchase, Second-Home Purchase, Investment Property Purchase, Refinance, FHA, VA, Conventional,203(k) Renovation, Construction loans, Jumbo and more.
Work with Ivette; for her would be a pleasure to assist you with quick and accurate real estate financing advice.
Ivette dedication and clear communication will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation. Ivette is committed to exceeding your expectations by offering unmatched first-class service throughout the loan process and beyond.
Ivette is fluent in English and Spanish and loves to travel and the outdoor activities. As a mother of three (3) she understands the importance of a place that you can call home.
Ivette was responsive and professional. We closed within a month of signing our contract, with no issues. Ivette kept us informed the whole way, she always called me back immediately, and she was very kind and supportive during the process. She called me on evenings and weekends with updates, even though I told her it wasn’t necessary! There were no surprises at the closing table and our payment was exactly as discussed. I definitely recommend Ivette Espinal as a mortgage professional!! 5 stars! Thanks, Ivette, for getting us into our dream home!
allison t
Ivette was wonderful! The whole process was new to me and my wife but Ivette was prompt and made every step smooth for us.
Michael T
Everyone went above and beyond for us. Highly recommend!!!
Esmeralda O
Excellent professionals. They listened to our requests, and we were able to buy our dream home! Thank you so much for everything! I recommend them 100%.
Jessica B
I had an excellent experience working with Ivette . From start to finish, they were professional, responsive, and knowledgeable. They took the time to explain every step of the process clearly and made sure I understood all my options. The communication was prompt and transparent, which made the entire loan process smooth and stress-free. I appreciated their attention to detail and commitment to getting everything done on time. Thanks to Ivette and Roxanna, I was able to secure the best possible terms for my loan. I highly recommend them to anyone looking for a trustworthy and efficient lender.
Ruth C
My appreciation to Ivette for her dedication and professionalism with my clients. Communication is the foundation for a successful closing. Highly recommended. I look forward to more successful closings! 😀💪
Roxana Gonzalez Realtor N
I recommend Ivette Espinal 100% , my experience was very good. THANK YOU for you help
Visnely A
She’s so patient, caring, and professional and so detailed with everything, and truly made the whole process smooth.
Wislaine Jean B
Ivette made possible what many said we wouldn’t be able to achieve, since we’ve only been in the country for three years. But thanks to Ivette’s dedication, knowledge, and determination, our dream became a reality. She guided us every step of the way with patience and care, and we will always be deeply grateful for everything she did for us. Thank you, Ivette, for believing in us when others didn’t!*********************************************Ivette hizo posible lo que muchos decían que no podriamos lograr ya que solo tenemos tres años en el país, pero gracias a la dedicación, el conocimiento y la determinación de Ivette, nuestro sueño se hizo realidad. Nos guió en cada paso con paciencia y cuidado, y siempre estaremos profundamente agradecidos por todo lo que hizo por nosotros. ¡Gracias, Ivette, por creer en nosotros cuando otros no lo hicieron!
Gabriela González R
Thank you Ivett for all your help
H D
I’m very pleased and satisfied with Ivette’s role during my home purchasing process. She is a very reliable, honest and professional lender. You will not regret giving yourself the chance to let Her be your lender. I give Her and Her team 10 Stars ⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️. Thank you for making my dream come true!
Naydaliz N
Hola yo tuve una Bella experiencia con la Sra Ivette. Si usted de verdad desea lograr su sueño de tener su propia casa créame que ella es la mejor. Te aclara cualquier inquietud que tengas. Te ayuda en el proceso hasta el final y cuando pienses que no lo vas a lograr te dice una bella frase que siempre positivo y nunca negativo. La recomiendo al 100%
Reiner M
Llevo muchos años trabajando con Ivette y la experiencia es increíble ella es excelente en lo que hace que la transacción sea exitosa siempre clientes y yo estamos agradecidos con ella por que hace posible los préstamos !!!!
Paula Eliana G
Ivette ,,me siento muy agradecido y feliz por haber podido presidir de su servicio para poder arquir mi vivienda es usted muy profesional ,mucha suerte y muchas gracias
Frank Hernández P
Una experiencia inolvidable,,muy atenta y profesional en su trabajo desde el comienzo del proceso hasta el final, yo en particular muy agradecido se los recomiendo con Ivette todo es más fácil,Gracias
Frank Hernández P
Thanks to you excellent work I was able to archive my dream. You are an amazing person with alot of knowledge and dedication.
Dayron Crespo A
Muy linda persona y nos ayudo en todo la recomiendo al 100% gracias por hacer nuestro sueño realidad
Veronica Q
She was very professional and help us in every minute we recomend her for sure
Cary C
Our lender assitant Ivette Espinoza was extremly helpfull and efficient. I never met somebody that was so patince with me during a complicat3ed process. I Definetily recommend her as your 1st option when you are looking a Mortgage for your Property Purchase. She is the best!
Anita Verena- A
Ivette is amazing! She’s sweet, patient, helpful and truly cares for her customers. She’s bilingual and speaks perfectly Spanish and English. She did everything perfect, making sure everything went it correctly. She’s truly the best!
Marco S
Ivette was an extraordinary lender agent. She was always nice, responsible, due diligent, very knowledge, great to follow up and very supportive. She is the best!!!
New Erra D
i AM VERY VERY HAPPY WITH IVETTE , SHE IS VERY PORFFESIONAL AND MARMSHE HELP US IN EVERY STEP WE MADE , THANK YOU IVETTE THANK YOU VERY MUCH AGAIN
Gustavo De La Fe C
Muy buena , excelente, trabajo, información y ayuda 100%, la mejor lender , es una experiencia inolvidable de la forma en que trabaja con uno.No te deja con ninguna duda, siempre trata de informarte, de todo y las mejores opciones.Gracias de todo corazón, estamos felizmente agradecidos, 😃
Benjamin H
Working with Ivette Espinosa has been an absolute dream!As a first-time homebuyer, I had so many questions and nerves going into the process, but Ivette guided me every step of the way with patience, warmth, and genuine care. She took the time to explain everything clearly and made sure I always understood what was happening.Ivette went above and beyond to help me achieve my dream of becoming a homeowner, and even after closing, she’s continued to check in and stay in touch. She’s personable, wonderful, and incredibly knowledgeable. I’m so grateful for all she’s done and for making this milestone such a positive and memorable experience.I highly recommend Ivette and will be sure to encourage everyone I know to contact her if they want to make their own homeownership dreams come true.
Jasmine H
I purchased my first home on my own, and Ivette and her team were with me every step of the way! The entire process was smooth, clear, and stress-free from start to finish. They were responsive, professional, and made everything so easy to understand. I highly recommend them — 10/10!
Alina F
Working with Ivette was such a great experience from start to finish. She was incredibly responsive, knowledgeable, and calm throughout the entire process. Which made a huge difference, especially as things came together toward closing. Thank you and looking forward to working with you more!
Lisa A
As a first-time homebuyer, I was nervous about the whole process, but Ivette made everything feel calm and manageable. She walked me through each step with patience, kindness, and genuine care. I never felt rushed or overwhelmed—she answered every question and truly looked out for my best interests. Thanks to her support, I’m now in a home I absolutely love. I’m so grateful for her guidance and couldn’t recommend more.
Rebeca B
I had an excellent experience working with Ivette . From start to finish, they were professional, responsive, and knowledgeable. They took the time to explain every step of the process clearly and made sure I understood all my options. The communication was prompt and transparent, which made the entire loan process smooth and stress-free. I appreciated their attention to detail and commitment to getting everything done on time. Thanks to Ivette and Roxanna, I was able to secure the best possible terms for my loan. I highly recommend them to anyone looking for a trustworthy and efficient lender.
Ruth C
Hacer el proceso para nuestro prestamo con Ivette fue un verdadero acierto.Su paciencia, profecionalidad y atención al detalle marcan una diferencia enorme desde el primer día. Ivette no solo se limita a tramitar un préstamo; se toma el tiempo real de guiarte paso a paso, resolviendo cada duda con muchísima empatía y conocimiento. Su dedicación va más allá del cierre, demostrando que genuinamente le importa el bienestar y el sueño de las familias que asesora. Si buscas a alguien bilingüe, sumamente profesional, honesta y que te acompañe con total transparencia en la compra o construcción de tu casa en Florida, Ivette es la opción definitiva.
M&M Candles & S
Working with Ivette Espinal on our construction loan was great. She was very helpful throughout the process. Thanks to her dedication everything went smooth without any inconveniences.
Johan M
Loan Programs
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DSCR Loans (Investment Loans)
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1% Home Loan Program
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Conventional Loans
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A welcoming living room with a fireplace, wall-mounted TV, and elegant decor, ideal for relaxing and entertaining in a cozy home setting.
Down Payment Assistance (DPA)
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Refinance Loan
Supporting veterans and families with VA home loan options and resources.
VA Loans
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USDA Loans
Happy couple discussing FHA loan options at home.
FHA Loans
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Low Down Payment Loans
A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
A smiling couple during a home renovation project, standing on stairs with construction supplies around them.
Home Renovation
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
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Bank Statement Loans
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Construction Financing
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
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First Responders | Nurses | Teacher Loans
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Modern house with landscaped yard and garden.
Expanded Income Loans
A smiling woman using a tablet near a window, representing accessible loan services for foreign nationals.
Loans for Foreign Nationals
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
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Expanded Credit Loans
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
A woman reviews her home sale options on a tablet in a bright, modern kitchen, highlighting the Seller PreLock Program benefits.
Seller PreLock Program
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Rhyze HELOC
Beautiful blue house featuring a secure lock program for enhanced home safety.
Secure Lock Program
Refinance With Purpose
Every refinance starts with a goal. Whether you want to lower your payment, shorten your term, or access equity, we’ll build a strategy around what matters most to you.
Consolidate Debt
Simplify what you owe. Use your home’s equity to combine high-interest debt into one payment.
Lower Payments
Improve monthly cash flow. Even a small rate adjustment can create savings over time.
Get Cash Out
Access equity with intention. Turn your home’s value into funds for renovations, education, retirement, or financial goals.
Change to Fixed Rate
Stabilize your payment. Move from a variable rate to predictable payments built for long-term planning.
Refinance VA Loan
Use a VA refinance program to improve your terms, access cash, or reduce your monthly payment.
Discover your home’s value instantly.
Get a personalized home value report powered by real market data. Track equity, explore trends, and stay informed about your property and mortgage loan.
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We'll watch the market for you
Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes.
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How fast can I get pre-approved?
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How fast can I get pre-approved?
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How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
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A contemporary living space with a gray sofa, decorative pillows, hanging pendant lights, and lush green plants, creating a comfortable and stylish en.