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Shivonne “Bonnie” Espinoza, NMLS# 1929349

Shivonne “Bonnie” Espinoza brings nearly two decades of banking experience to her role in the reverse mortgage industry. With a strong foundation in financial oversight and client advocacy, she transitioned into the mortgage business to continue helping individuals make sound, well-informed financial decisions. Bonnie’s commitment to education and transparency is rooted in personal experience, having seen firsthand how a lack of understanding around mortgage options led her parents to lose their home. Working in the senior home equity space allows Bonnie to empower homeowners with knowledge and clear guidance, helping them unlock financial flexibility and plan confidently for the future.

Originally from Brooklyn, New York, she now resides in Miami, Florida. Outside of her professional life, Bonnie enjoys baking, reading, and traveling with her high school sweetheart—now husband of 10 years—and their three teacup Yorkies.

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