Episode 8: From an Attic to the Top of the Mortgage World, One Obsessive Step at a Time with Fernando Espino

Did you know one of the clearest perspectives on homeownership comes from someone who has lived instability, served in the military, and worked his way up from the inside of the mortgage business?

In this episode of the NOH USA Podcast, Fernando Ospina, President of Alterra Home Loans, shares openly about his early years, including military service and a season of living in an attic, and how those experiences shaped the way he works, leads, and thinks about responsibility. His perspective is grounded in having lived both struggle and scale.

He also explains how obsession played a role early in his career, what it takes to succeed at a high level, and how staying close to the work through the Great Recession and beyond shaped what he notices about homeownership today. He speaks from what he has seen repeatedly over time, and how to learn from it.

A grounded NOH conversation about:

• Fernando’s background and path into leadership

• How military service shaped discipline and responsibility

• What early struggle taught him about work and commitment

• Why obsession shows up in building something meaningful

• What he observed during and after the housing crash

• How long-term behavior matters after the purchase

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ABOUT US (NOH USA PODCAST)

Nick J. Gouché is the founder and CEO of Nation of Homeowners Mortgage Group and host of the NOH USA Podcast. He is a nationally recognized mortgage expert, bestselling author, and thought leader committed to restoring hope and trust in the American Dream of homeownership.

With over $1 billion in funded home loans, Nick has helped thousands of families build wealth through ownership. He is also the author of Nation of Homeowners and 10 additional books on wealth, leadership, and financial literacy.

A husband and father, Nick resides in Los Angeles, California, where he continues his mission to empower renters, homeowners, and future generations with the knowledge and strategies to achieve long-term financial freedom through real estate.

The NOH USA Podcast delivers real data, real solutions, and real stories—all with one goal:

Turn 1 million renters into wealthy homeowners and rebuild the American Dream.