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Businesswoman smiling, wearing a black blazer, representing financial services and trusted lending s.
Ivette A. Espinal, a professional woman, promotes Preferred Rate's financial and lending services with confidence.
Beautiful modern craftsman house with landscaped front yard and double garage.
A stunning modern craftsman-style house featuring a landscaped front yard, large windows, and a spacious double garage.

NMLS: #439119

Ivette A. Espinal

Mortgage Advisor

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

Why work with me?

5.0/5 Rating

52 reviews

Real clients. Real results.

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

Loan Programs

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A bright, inviting living room featuring a blue sofa, wooden chairs, and a fireplace with logs, perfect for relaxing or entertaining.
DSCR Loans (Investment Loans)

Featured

Beautiful modern craftsman-style house with a landscaped front yard and garage.
A stunning craftsman-style home featuring a welcoming porch, modern design, and the 1% Home Loan Program.
1% Home Loan Program

Featured

Man using smartphone at home, exploring conventional loan options.
Man reviewing mortgage options on his phone in a cozy living room setting.
Conventional Loans

Featured

Comfortable living room featuring a fireplace, wall-mounted TV, and stylish decor for a welcoming ho.
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)

Featured

Refinance Loan
Child on Veteran's shoulders with American flag, symbolizing VA loan benefits.
Supporting veterans and families with VA home loan options and resources.
VA Loans
USDA loan approval process for rural home financing.
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA Loans
FHA loan approval process with Preferred Rate for homebuyers.
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FHA Loans
Beautiful blue house with landscaped yard, ideal for low down payment mortgage options.
Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
Beautiful house exterior with porch, windows, and landscaped yard.
A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
Happy couple working on home renovation inside a room with construction tools.
A smiling couple during a home renovation project, standing on stairs with construction supplies around them.
Home Renovation
Luxury home with a spacious driveway and well-maintained landscaping for jumbo loan financing.
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
Man using a laptop on a bean bag chair, promoting flexible bank statement loans.
Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
Construction financing solutions for building your dream home or project. Expert guidance for seamle.
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Construction Financing
Beautiful manufactured home with a welcoming porch and landscaped yard.
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Colorful Victorian-style condominiums with detailed architecture and lush greenery.
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
Healthcare professional loan options for doctors and medical staff. Secure funding to grow your medi.
Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
Nurse smiling with tablet, promoting first responder loan programs.
A nurse smiling while holding a tablet, highlighting loan options for first responders, teachers, and nurses.
First Responders | Nurses | Teacher Loans
Affordable community lending options for homebuyers.
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Community Lending
Buydown mortgage rates with temporary payment reductions.
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
Modern two-story house with garage, ideal for bridge loan financing.
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Expanded Income Loans for Home Improvements.
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Expanded Income Loans
Loan options for international clients seeking financial solutions.
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Loans for Foreign Nationals
Home loan options for quick approval and competitive rates.
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
Expanded Credit Loans living room with modern furniture and cozy decor.
Comfortable living room featuring yellow armchairs, a fireplace, and a flat-screen TV, ideal for home improvement financing options.
Expanded Credit Loans
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Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
Seller PreLock Program for homeowners to secure home sale options.
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Seller PreLock Program
Preferred Rate Pathway DPA Program interior design.
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Pathway DPA Program
Rhyze HELOC
Secure lock program for home safety and security.
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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.

Home loan approval process with competitive rates at Preferred Rate. Secure your mortgage today with.
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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.

Mortgage Loan Calculator

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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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