Fernando Espina

NMLS# 846379Residential Loan Officer

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About

Since starting his banking career in 2005, Fernando Espina has made it his mission to help clients build wealth through homeownership. He works extensively with first-time homebuyers, helping them select a mortgage that fits their comfort level—not just their loan qualifications. With experience spanning downpayment assistance programs and VA, FHA, and Washington State Housing Commission loans, he brings his clients a broad understanding of the mortgage landscape. Fernando earned his degree in Finance from Washington State University and is involved in Habitat for Humanity projects in the greater Seattle area.

Ready to start your homebuying or refinancing journey? Give Fernando a call today.

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Build your dream home

Building and renovating your home is easier than ever with our All-in-One Custom Construction Loan. Short-term construction, renovation costs and permanent financing are rolled into one loan with one set of closing costs.

Custom Construction Loans

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Your home can help you achieve your dreams

Have major expenses on the horizon, like a remodel or college tuition? As a homeowner you can borrow against the equity in your home while keeping your first mortgage intact. Ask us how a fixed-rate second mortgage can help.

Second Mortgage

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Loans for frontline professionals

Our Community Heroes program helps frontline professions in fields like medical, military, law enforcement, education and fire careers by making financing more accessible and affordable. We’re honored to help those serving others become homeowners.

Community Heroes Loans

* Subject to credit approval and limited to properties located in Washington, Oregon, Idaho or California. View a list of Banner Bank'sMortgage Loan Originators National Mortgage Licensing System ID numbers.