Ivan Espinosa Professional Headshot

Ivan Espinosa

NMLS# 1301844Residential Loan Officer

Apply Now


701 C Street
Galt, CA, 95632



For Residential Loan Officer Ivan Espinosa, there's no better feeling than helping people successfully navigate one of the most exciting purchases of their lives. He especially enjoys working with first-time homebuyers and clients utilizing down payment assistance programs. He also enjoys working with clients and builders who are developing their dream home.

He treats his clients with a level of care that makes them feel at home with his guidance and the products offered at Banner Bank.

The sense of community that comes along with homeownership is important to Ivan, and he's actively involved in his hometown. He teaches financial education and more about the mortgage lending process. He also enjoys volunteering with various Sacramento youth programs that had a positive influence on his own life – including the Boys & Girls Club.

Let Ivan put his more than two decades of financial knowledge to work for you. Give him a call today.


A red craftsman home with a yard.

Find the right fit

Conventional loans are the most popular because they come in all shapes and sizes including fixed- and adjustable-rates, with flexible down payment requirements and varied terms from 10-30 years.

Conventional Home Loans
A row of houses with one hanging an American flag.

Government loan options

Federal Housing Administration (FHA) loans have been helping people become homeowners since 1934. These loans offer favorable rates and low down payment requirements.

Government Loans
A woman sitting on a couch holding a mug

Buy your first home

If you’ve never bought a home or haven’t owned one in recent years, let us walk you through the process. Our specialists will listen to you, explain the options and help you find the best home loan for your situation.

First-Time Homebuyers


Cash-Out Refinance
Down Payment Assistance
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.