Meet Our Loan Officers

With over 10 years of mortgage experience, I’m proud to serve KeyPoint Credit Union Members with honesty, integrity and a commitment to exceptional results. My own challenging first home purchase showed me how stressful the process can be without clear communication and guidance—and that experience drives the way I serve Members today. I’m an advocate for First Time Homebuyers, Homeowners and Investors who deserve expert advice, transparency and solutions that they can trust. I believe Loan Officers should do more than complete transactions—we should educate, problem solve and guide clients with care and accountability.

My approach is Member first and relationship focused. Whether you’re buying, refinancing or planning ahead, I’m dedicated to providing proactive updates, thoughtful strategies and support that always puts your best interests first.

As a proud parent of four grown children, family values shape how I work. I treat every Member with the same respect and honesty I’d want for my own family. No question is too small. My goal is to ensure you feel informed confident and supported throughout your mortgage journey and beyond. 

NMLS #957396

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I’m a passionate Loan Consultant with deep experience in home loan origination, and I love helping people achieve their homeownership goals. I’m committed to supporting our community and delivering the exceptional service that has made KeyPoint Credit Union a trusted partner for so many Members.

Whether you’re buying your very first home or looking to upgrade, refinance or invest, I’m here to create a mortgage solution that truly fits your life. I take the time to understand where you are today and where you want to go—so your loan supports your plans, not the other way around. From application to closing, I’ll guide you through each step clearly and efficiently, making the process as smooth and stress free as possible.

Your path to a new home starts here—let’s make it happen together. 

NMLS #461742

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I have over 20 years of mortgage lending experience, including 15 years in various mortgage lending Sales Management positions. I recently spent five years as the Area Sales Manager at Bay Equity Home Loans in Pleasanton and have served as a Branch Manager at Opes Advisors and RPM Mortgage. 

My focus is helping Members in the East Bay, including Dublin, San Ramon, Pleasanton, Danville and Livermore. As an expert in helping first-time home buyers, I also assist Members with Jumbo, Conventional, Refinance and Home Equity loans. 

My goal is helping each client achieve their personal financial goals by educating them throughout the loan process.

NMLS #250154

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I have been with KeyPoint Credit Union for over 15 years. I joined the Real Estate team in 2016 because I saw it is a greater opportunity to assist more Members. My goal is to help you make sound financial decisions with your greatest asset ––  your home.

As your Loan Officer, I want to make a difference in the way you buy a home. From first-time buyers to seasoned investors, our professional Real Estate team and I will guide you through the entire lending process from beginning to end diligently and efficiently.

I guarantee you'll experience a new level of service with Keypoint Credit Union.

I look forward to connecting with you.

Hablo Espanol

NMLS #1505979

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Financing your home is one of the most important financial choices you will face. As a Loan Officer, I am here to help you make an informed decision that works for you. 

Whether you are a first-time buyer or a long-time homeowner, I want to create the right mortgage solution for your unique needs. That means taking your current situation and your future plans into account. I will also be a reliable guide throughout the loan process, working to make each step simple and efficient.

I have been with KeyPoint since 2011, joining the real estate lending team in 2015. I am dedicated to helping our Members succeed.

Thank you for your interest in KeyPoint’s services. I hope to assist you soon.

NMLS #1415238

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I am a Mortgage Loan Originator with over 21 years of industry experience. Based in Campbell, CA, I have built a reputation for my exceptional relationship-building skills and unwavering dedication to helping Members achieve their financial goals. My expertise in providing personalized service has earned me a reputation as a trusted advisor in the mortgage industry. I am committed to keeping Members informed with regular updates and ensuring a smooth loan process.

I hold a Bachelor of Science in Business Administration from San Jose State University. Throughout my career, I have been recognized as a Presidents Club Member multiple times and a Top Producer five times. Outside of work, I am passionate about golfing, pickleball and coaching. I enjoy spending quality time with family and friends and engaging in various outdoor activities. My friendly and approachable nature makes me a pleasure to work with, and my clients appreciate my dedication and expertise.
 

MLS #282641

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