About Alex Espinoza
I'm Alex Espinoza, a licensed mortgage loan originator (NMLS 1110038) with Coastal Pacific Lending, licensed in nine states including California and Florida. I work mostly with people in the middle of a hard change, a divorce, a separation, or a cosigned loan that needs to be in one name, and with borrowers whose income doesn't fit a standard file, like the self-employed and real estate investors. My job is to tell you plainly which path will actually work for you, whether that's a refinance, an assumption, or something else, before you spend time or money on the wrong one.
Who this site is for
Most of the people who find this site are in the middle of something difficult and have one question about a loan stuck inside it. Can I keep the house. Can I get my name off this. What happens if my ex stops paying. The pages here answer those questions in plain words, with the agency guide or the statute cited underneath, so you can check the answer rather than take it on trust.
Nothing on this site needs a credit pull, an account or a phone call. If you want a real answer on your own numbers, the form takes a few minutes and Alex replies in writing.
The licensing, in full
Alex (Alejandro) Espinoza is the name used in advertising. The legal name on the license is Alejandro Espinoza, and Alex Espinoza is filed with NMLS as an Other Name. Both refer to the same person, NMLS 1110038.
He originates loans as a licensed mortgage loan originator sponsored by Coastal Pacific Lending, Inc., NMLS 965211, at 1100 Town & Country, Suite 1250, Orange, CA 92868. Coastal Pacific Lending is the lender; offtheloan.com is a web address and the title of this site, and is not a business name or a trade name filed with NMLS.
Licensed in California, Florida, Georgia, Virginia, Washington, Arizona, Tennessee, Colorado, Idaho. If your property is somewhere else, he will say so rather than take the file.
Every license on this page can be checked for yourself. NMLS Consumer Access holds the record for NMLS 1110038, and the footer of every page carries the sponsor's state license numbers.
How to reach him
Email alex@offtheloan.com or call (442) 222-1751. Alex reads and answers these himself.
If you would rather send the numbers first, the short form takes a few minutes and you get a written answer within one business day.