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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

The Espinosa Group - Residential Loan Services

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United States
San Jose, CA
The Espinosa Group - Residential Loan Services

Theo Espinosa has been helping clients obtain residential loans since 2002.

Theo has always had a passion for addressing the needs and wants of his clients and pairing those with the best loan for their particular situation. We offer a full range of products including Mortgage Loans, Private Money Loans and Reverse Mortgages. Whether you’re purchasing your first home, moving up, consolidating debt, or retiring, Theo provides easy to understand options to help you make informed decisions, while also ensuring you obtain the best rates and programs available. Fed and State License Info:
Agent: NMLS:298784 DRE:01395854
CO: /NMLS:331340 / DRE:01104088

11/01/2026

According to new federal rules, national banks and federal savings associations can decide whether to pay interest or charge fees on mortgage escrow accounts. But stay tuned -- lawsuits are pending.

A new lawsuit challenges recently issued rules from federal banking regulators that preempts state laws requiring banks to pay interest on escrow accounts.

10/29/2026

Curious how private mortgage insurance (PMI) fits into your monthly payment? This week's newsletter breaks down how PMI works from start to finish.

Your PMI questions, answered.

10/26/2026

Cool mornings and warm afternoons can make fall a tricky season to maintain comfortable temperatures inside. HVAC pros share how to stay cozy without overworking your system.

What temperature should you set your thermostat to this fall? HVAC experts share the best setting for comfort and energy efficiency.

10/24/2026

According to a recent study by Houzz, beige is quickly replacing gray as the go-to color for home exteriors. Find out why these warm neutrals are gaining popularity and how to use them effectively.

Beige has overtaken gray as the most popular exterior paint color, according to Houzz. Designers explain the trend and share five top paint picks.

10/22/2026

If you like my service or have feedback to share, don't forget to leave a review on my site.

If we’ve worked together in the past and you had a great experience, would you pay it forward with a review? Thanks so much in advance.

10/21/2026

From hidden sculleries to islands that double as dining tables, kitchens are getting warmer and more livable. Here's a look at the designs expected to shape 2027.

From sculleries to smart tech, designers believe these trends will shape the heart of the home in the year ahead.

10/18/2026

A home that's currently on the market needs to be ready to show at a moment's notice. But this can be tricky, especially if you have children or pets. These nine tips can help simplify the process.

Once your home goes on the market, real estate agents may call to show your home anytime, day or evening. Keeping your home

10/15/2026

A letter saying your mortgage is moving to a new company can feel unsettling. This week's newsletter looks at why servicing transfers happen and what to expect next.

Here's what a servicing transfer really means.

10/12/2026

Homebuying and homeownership can come with questions, big and small. The twice-monthly newsletter is here to help answer them. Sign up so you don't miss the next one.

10/10/2026

Lead paint isn't an issue in new construction, but if your home was built before 1978, it could contain this toxic substance. Here's how to spot lead paint -- and what to do if you find it.

If your home was built before 1978, it’s worth checking for lead paint before tackling DIY updates. Here’s how to identify it and move forward safely.

Address

San Jose, CA
95126

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://tegroup-loans.com/

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