Why choose the #1 Orange County Mortgage Broker for your home loan

Finding a home should feel effortless. Financing it should, too. That’s why we’ve redesigned the mortgage process to be clear, simple, and made just for you—no stress, no guesswork. So you can focus on what really matters: enjoying your new home.

01
Get Approved

Complete a short questionnaire so we can quickly determine how much you qualify for—no guesswork, no hassle. We don't even have to run credit.

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02
Find Your Best Match

We’ll show you the loan options that fit your needs and budget, so you can choose the perfect mortgage with confidence.

03
Apply with Ease

Apply online or over the phone. We handle the details, so you can focus on what matters—getting into your new home.

04
Count on Expert Support

Our team has all the tech to close fast with certainty and integrity established in 1993.

Trusted results, success with Mares Mortgage.

Discover why thousands in Orange County and across the U.S. choose us for their mortgage needs. Our experience, speed, and dedication make homeownership easier than ever proven as the, Oldest Mortgage Broker on the West Coast.

Approval Success
99.9%
Pre-Approvals
48h
DAYS TO FULLY UNDERWRITE
1
AVERAGE DAYS IN ESCROW
17
Mares Website Logo, with small dolphin feature and Established year 1993Mares Website Logo, with small dolphin feature and Established year 1993
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Explore our loan programs

Meet the experts behind your mortgage journey

Our experienced and dedicated mortgage professionals are here to guide you through every step of your mortgage journey. With expertise, care, and a client-first approach, we’re committed to turning your homeownership dreams into reality.

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Cutberto Hernandez

Founder | Senior Loan Originator

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Cubie Hernandez

Senior Loan Originator | Associate Broker

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Christian Hernandez

Senior Loan Originator | Associate Broker

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Oscar Gonzalez

Senior Loan Officer

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Michael Olmos

Senior Loan Originator

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Bridget Roy

Senior Loan Originator

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Anne Dalfiume

Senior Loan Originator | Business Development Manager

Affordable rates, flexible options for you

Whether you’re purchasing your first home, refinancing, or looking for a personal loan, we make the process simple and stress-free. Explore competitive rates, flexible terms, and personalized solutions designed to fit your financial goals.

"One of the best brokerages to work with. Best Loan officers with unmatched client experience and a pilar in the industry. 5 Stars all the way!"
Rogelio Goertzen

Founder, HOME

"Mares is a very knowledgeable lender. They took every question I had (and I had a lot of them) and answered them thoroughly.They are very honest and trustworthy."
Sue Kehl

A Lovely Homeowner

"I just closed my fifth real estate deal with Cubie Hernandez and the Mares Mortgage team, and I can confidently say I will never use anyone else!"
Karen Pietsch

Realtor, Coldwell Banker

"Mares Mortgage is fast/efficient, has the best rates and has a safe portal for submitting documents plus tracking loan processing status."
Janice Bies

Coolest Customer

"I called Christian on a Saturday, we were on a very short timeline.  He worked thru the weekend, by Wednesday we had approval and cleared to closed on Friday."
Vincent Moneymaker

Small Business Owner

"We love working with Mares Mortgage they're all awesome specially Jocelyn and Brenda!
Smooth transaction! love them!!!
Tess Still

Homebuyer and client

"Mares Mortgage is fantastic!! We had Cubie on our podcast & he was able to share a plethora of insights.  for consumers looking buying a home & looking to get a loan."
Danielle Aglio

Realtor, Blue Island Homes, NY

"Bridget is professional and stays on top of the current rates. She answers all questions and we would not have been able to close this deal without her. She is a huge asset and an incredibly kind person."
Katherine Brocke

Realtor, Bon Life Real Estate

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Insights, tips & guides for smarter home financing

Our experienced and dedicated professionals are here to guide you through every step of your mortgage journey.

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