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About Me

Michael Esquerra

Loan Consultant

As a Mortgage Loan Originator with over 22 years’ experience, helping people purchase and/or refinance their dream home.  I work with enthusiasm and at the highest level of integrity.   I will be providing superior customer service and market knowledge during and after the transaction.

I have enjoyed living in Chino Hills for the past 22 years with my wife Karen, of 30 years, and our son Skyler who is now 22 years old.  People know they can call on me whether they have a simple question regarding real estate finance are in need of a comprehensive plan designed specifically for their particular situation.

We know when you focus on what matters, the results make it all worth it.


Michael Profile pIcture


Loan Type

Get to know our different type of loans that I can help you with.

Conventional Loans

Conventional Loans are for buyers with good credit, savings and the ability to put down a larger payment. With 20% down a borrower avoids Mortgage Insurance costs associated with other loans, therefore saving money. This is good for borrowers looking to purchase a second home.

FHA Governmental loans

Government Loans are great for the first time home buyer with little to no credit. Down payment assistance is offered to borrowers without a large downpayment. Borrowers can also expect to put down less towards the purchase of the property, along with borrow at a lower interest rate.

ITIN Products

ITIN Loan Products are for people without a social security number looking to buy a home to live in the United States. Theses loans require higher downpayment, but are a solid 30 year fixed mortgage.

VA Loan

Established by the united states department of veterans affairs to help veterans and their families obtain home financing.


For most counties, a jumbo loan is a mortgage of more than $548,250

Rural Housing

USDA Rural Development’s Single Family housing guaranted loan program assists low to moderate income rural home buyers

Building Wealth Through Homeownership

As “Your Mortgage Loan Originator”, we at Alterra Home Loans believe in “Building Wealth Trough Homeownership”  We understand that as more families prepare to take that next step towards financial stability, we are prepared to meet that demand with innovative tools and better processes.

My goal will be to provide you a great experience, through attentive, detailed and efficient work.  We know every client is different and every situation is different, this is why we focusing on what matters to insure the smoothest transaction possible.

Your best interest is my #1 priority”

Let’s help you get your dream home. Together