Ivan Espinosa Professional Headshot

Ivan Espinosa Residential Loan Officer

NMLS# 1301844
Residential Loan Officer
Address
701 C Street
Galt, CA, 95632
Phone
NMLS# 1301844
Address
701 C Street
Galt, CA, 95632
Phone
About

Buying a home is likely one of the biggest investments you will make. That's why at Banner, we listen, help you understand the financing process, and explain the options so you can select the best loan for your situation.

Whether you are a first-time homebuyer, purchasing a vacation home or investment property, taking on a major renovation, building a custom home, refinancing, or moving up or downsizing, we are here to help. Contact me today and let's get started.

Featured
  • A woman in professional attire
    Becoming a well-informed buyer is important in the lending process. Our residential loan officers are here to help educate you on issues relating to homeownership through seminars and workshops.
  • A set of keys on a table
    Federal Housing Administration (FHA) loans have been helping people become homeowners since 1934. These loans offer favorable rates and low down payment requirements.
  • A locator icon on a plot of land
    You know it when you find that perfect location. Whether you’re ready to build is a different subject. Our lot loans provide competitive rates, in-house approvals and fast processing, and we allow you to borrow up to 75% of the lot value.
* Subject to credit approval and limited to residents of Washington, Oregon, Idaho or California, or current Banner Bank deposit clients. View a list of Banner Bank's
Services
  • Purchase
  • Refinance
  • Cash-out Refinance
  • Down Payment Assistance
  • Pre-qualification
  • Pre-approval
  • Mortgage Rates
  • Fixed Rate Loans
  • Adjustable Rate Loans
  • Vacation/Second Homes
  • Investment Properties
  • Land Loans
  • Home Equity Line of Credit (HELOC)
  • Community Land Trust
Mortgage Calculators
  • Blue and white calculator
    Mortgage Calculator
    Enter your loan amount and interest rate to calculate your estimated monthly payment.
  • The letter A with a down arrow and the letter B with an up arrow
    Rent vs. Buy a Home
    The decision to buy a home is an important one. Our Rent vs. Buy Calculator helps you weigh your options.
  • Craftsman style house with a chimney.
    15 vs. 30 Year Mortgage
    Paying less interest vs. having a lower monthly payment. There’s much to consider when it comes to the length of your loan.
  • A right hand open with a dollar bill floating above it.
    Mortgage Refinance
    Interest rates are just one factor in determining if a refinance is right for you.