
Phone
- Cell: (206) 849-6297
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.
Featured

Explore your homeownership options.
Federal Housing Administration (FHA) loans offer competitive rates and low down payments. Learn more about this and other government loan options.
Veterans Home Loans
Build your dream home.
Building or 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.
Explore Custom Construction
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 home equity loan (also known as a second mortgage) can help.
Explore Home Equity LoansServices
Mortgage Calculators
Mortgage Calculator
Enter your loan amount and interest rate to calculate your estimated monthly payment.
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.
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.
Mortgage Refinance
Interest rates are just one factor in determining if a refinance is right for you.





