Karissa Espinosa

Senior Loan Officer

NMLS ID# 1455273

1994 Charlestown New Albany Road
Suite 103
Jeffersonville, IN 47130

Karissa’s ties to the mortgage industry have been a long-standing family affair.

While a student at Indiana University, she spent several years working as an intern in the post-closing department. After graduating with her Bachelor’s Degree in Management through Indiana’s School of Public and Environmental Affairs, she realized she wanted to turn her attention to financial management. Watching her father go from a Sale’s Representative in Wholesale Lending, to Vice President of Subprime Lending, to Vice President of Secondary Markets, impacting companies he has worked for, made her realize that the mortgage industry was where she wanted to plant her career.

Her goals since July of 2016 have always been to make every transaction go as smoothly as possible for every buyer and home-buyer as possible. Whether you are buying your very first home or refinancing the home you have been in for years, Karissa wants to help you take your next step with ease. Though the business day can get crazy, Karissa sets aside time to always expand her knowledge in the mortgage industry. Going from learning how to make the process more efficient for herself and her team, to learning new programs to help expand her reach for her clients and best meet all their needs.

Ask her anything, there are no silly questions when it comes to buying or refinancing a home. You are investing so much time and money that you deserve to be educated on every detail that your heart desires to know. If it is important to you, it is important to Karissa.

Give her a call and let her put her passion for the business to work for you.


Home-buying by numbers


Your monthly mortgage
Estimate includes principal and interest only. It does not include taxes and insurance. Talk to a loan officer for specific calculations.


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Estimate your monthly mortgage with this home loan calculator. Just remember, your results are only estimates.

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Built on family and forward-thinking

Bay Equity is family owned and operated. This video is about our start and our technology-driven relationship with Microsoft.