Joshua Esquivel, Mortgage Originator at Lendmire
Mortgage Originator

Joshua Esquivel

NMLS# 2322869

Get Pre-Approved with Joshua
30-Second Start · No Commitment · Direct Line to Joshua

About Me

Be Admired.

As a Mortgage Loan Officer, my goal is to guide you through the loan process with clarity and confidence. Buying a home is one of the biggest decisions you’ll ever make, and I’m here to make it so much less overwhelming. I focus on simplifying each step so you can move forward with ease and turn your homeownership dreams into reality.

With a background in sales and leadership in the service industry, I’m passionate about my “people helping people” approach, which means I truly listen, understand your concerns, and work to find the best solution for you. My priority is to create a positive experience by providing clear communication and quick, thoughtful support so you can save time, reduce stress, and feel confident every step of the way.

Credentials

Background you can trust.

Licensing, lived experience, and a brokerage network — the foundation behind every loan we close.

01 · Licensing

Authorized to serve.

  • Mortgage Originator License Texas
  • DSCR Financing in 40 States Investor & business-purpose loans
  • NMLS# 2322869 Nationwide Multistate Licensing System

02 · Background

Service leadership.

  • Sales Background Years connecting with clients & closing deals
  • Service Industry Leadership Built around hospitality & people skills
  • People Helping People The philosophy behind every client interaction

03 · Network

Brokerage advantage.

  • Multi-Lender Shopping Top wholesale lenders compete for your loan
  • Lendmire Brokerage Independent — not tied to one bank
  • Scotsman Guide Top Workplace Recognized 2025 & 2026

Mortgage Calculator

Run the numbers before you call.

See your estimated payment, total interest, and amortization across loan programs — then reach out when you’re ready to talk specifics.

Property Details

Qualify on rental cash flow.

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Indicative rate · varies by FICO, LTV, program
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DSCR Ratio
1.27
Qualifies · 1.00 +
0.001.002.00+
Loan Amount $320,000
Principal & Interest $2,237
Tax + Insurance + HOA $450
Monthly Cash Flow +$213
About DSCR Qualify the property, not you. No tax returns, no W-2s, no employment verification. The property’s rental income divided by its total monthly debt service must typically clear 1.00 to qualify — higher ratios unlock better pricing.
No tax returns. Close in an LLC. STR-friendly.
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Standard Financing

Backed by Fannie & Freddie.

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Indicative rate · varies by FICO, LTV, program
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$
$
Total Monthly Payment
$3,311
Includes principal, interest, tax, insurance & PMI.
Loan Amount $382,500
Principal & Interest $2,480
Property Tax $350
Homeowners Insurance $150
PMI Private Mortgage Insurance $159
About Conventional The most flexible loan type — pricing rewards strong credit. PMI applies under 20% down but drops off at 78% LTV automatically. HomeReady® and Home Possible® programs allow as little as 3% down for eligible first-time buyers.
The most flexible path to ownership.
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VA Benefit

Zero down, no PMI.

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Indicative rate · varies by lender, FICO, LTV
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Total Monthly Payment
$2,968
No PMI required on VA loans. Funding fee rolled into loan amount.
Base Loan Amount $400,000
VA Funding Fee Rolled Into Loan $8,600
Total Financed $408,600
Principal & Interest $2,516
Property Tax $300
Homeowners Insurance $150
About VA Loans A benefit earned through service. Zero down, no monthly mortgage insurance, competitive rates, and no prepayment penalty. Funding fee is financed into the loan and may be waived for veterans with service-connected disability ratings.
A benefit earned through service.
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Government-Backed

Your first door.

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Indicative rate · varies by lender, FICO, LTV
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$
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Total Monthly Payment
$2,560
Includes MIP (FHA mortgage insurance) — UFMIP rolled into loan.
Base Loan Amount $313,625
UFMIP 1.75% Upfront · Financed $5,488
Total Financed $319,113
Principal & Interest $2,017
Monthly MIP 0.55% annual $146
Property Tax $250
Homeowners Insurance $125
About FHA Built for first-time buyers and borrowers who don’t fit the conventional box. Gift-friendly down payment and flexible DTI ratios. Mortgage insurance is required for the life of the loan in most cases.
Your first door is closer than you think.
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Why Work With Me

A different kind of mortgage experience.

Three things that set this process apart — from your first conversation to the day you close.

01 · My Approach

Your local mortgage expert.

Local knowledge changes everything. From the El Paso market to Texas-specific loan programs, I bring the kind of grounded expertise you can only get from someone who knows the area — paired with the resources of a multi-state brokerage backing every deal.

02 · The Lendmire Advantage

Multi-lender shopping.

Lendmire is a brokerage — we shop top wholesale lenders to find the best rate and structure for your profile. You don’t get one bank’s offer. You get the right one.

03 · Direct Access

Real human, not a call center.

You work with Joshua directly — from preapproval through closing. Same name on the email, same voice on the phone, same person at the closing table. Calls returned same-day, questions answered honestly, and a process that adapts to your timeline — not the other way around.

Client Experiences

What Lendmire clients are saying.

Joshua is committed to delivering the same caliber of experience our team is known for. Here’s what Lendmire clients are saying about working with us.

Get Started

Ready to get pre-approved with Joshua?

Start your application in about 30 seconds. Joshua will reach out personally to walk you through the next steps — no commitment required.

Get Pre-Approved with Joshua