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NMLS: #439119
Ivette A. Espinal
Mortgage Advisor
Phone number:
Email:
[email protected]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.
Licensed in:
FL
Contact info
Why work with me?
5.0/5 Rating
52 reviews
Real clients. Real results.
Loan Programs
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.


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.
Mortgage Loan Calculator
Estimate your monthly payment in seconds.
$400,000
Customize taxes, insurance & HOA
$0
Frequently asked questions
With short and easy to understand answers.
Couldn’t find your answer?
[email protected]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?
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?
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?
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.
Couldn’t find your answer?
[email protected]Ready to take the next step?
Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.
- Competitive rates
- Expert support
- Easy process






































