Maria Esparza

Branch Manager NMLS #280104

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Maria Esparza

About Maria Esparza

Maria Esparza is a seasoned mortgage professional with over two decades of experience in the industry. Her expertise lies in the latest residential loan programs, making her a trusted advisor for clients seeking to navigate the complex world of home financing. Maria's commitment to excellence is reflected in the numerous commendations she has received from clients on platforms like Google and Yelp. Her dedication to providing top-notch service and guidance has earned her a stellar reputation in the real estate and mortgage community. One of Maria's standout qualities is her exceptional work ethic. She approaches every client's needs with diligence and a strong sense of responsibility, ensuring that their mortgage journey is smooth and stress-free. She understands the importance of timely communication and makes it a priority to report back to all her clients promptly, keeping them informed every step of the way. Maria has a particular passion for helping first-time home buyers achieve their dreams of homeownership. She takes pride in simplifying the process for them, providing valuable insights, and assisting in securing the best financing options. Additionally, she has extensive experience working with investors, helping them make informed decisions to grow their real estate portfolios. With her wealth of knowledge, extensive experience, and unwavering dedication to client satisfaction, Maria Esparza is a trusted partner for anyone looking to secure a residential mortgage loan. Whether you're a first-time homebuyer or a seasoned investor, Maria is the expert you can rely on to guide you through the mortgage process with confidence.



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We compete for your business by offering a wide variety of products with lower interest rates and closing costs, speedier service and a personal touch.

  • Our innovative technology streamlines the mortgage process.
  • Multiple investor options means we will find the best solution for you.
  • Exceptional customer service makes for a hassle-free experience for our customers.
  • Interest rates offered are among the lowest in the industry.
  • Zero closing cost options are available with most scenarios.
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Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
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  1. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000.
  2. The Fixed Rate Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.
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WCL is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract) because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

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