Mares Mortgage is rated first, locally* and recommended as the most convenient home loan option. A standard that has been perfected for more than two decades. When Cutberto Hernandez started providing loans in 1993, he did not just want to provide quality financing. His objective of providing value to his clients that would serve them in the future is the still the driving force today in their family owned and operated business. Mares Mortgage has built a solid reputation on honesty, a strong knowledge of financing and hands-on customer service.
Our primary goal is to deliver extraordinary guidance and service through every step of the lending process. We have an “open door” policy and have been providing families with friendly, courteous and tailor fit guidance for each of our clients. We want you to achieve the keys to your dream.
For over 20 years we have been providing our clients with the strength and stability that you need in a mortgage lender. We have built our company on our core value of integrity and responsible lending practices.
We believe in transparency and providing our clients with the most competitive rates and programs available.
At Mares Mortgage you will be working with Certified Mortgage Planning Specialists that provide each transaction with dedication, professionalism and personalized care. Our membership to the National Association of Mortgage Professionals promotes and reflects our ethical and legal good standing.
We utilize Loansifter, which is a web-based solution that enables us to search rates from over 175 banks nationwide. This guarantees us that we are offering the most competitive interest rates and underwriting to our clients.
At Mares Mortgage we provide an access to all conventional, commercial and government loans including federal loans insured by HUD, such as FHA and VA, as well as providing a professional Bilingual and Notary Public service.
Our commitment to you is to deliver the best interest rate and loan program while providing responsive customer service that meets or exceeds your expectations.
A Traditional Bank offers many financial products and services. One of the services offered by banks is mortgage financing and offers limited selection of mortgage options and a very defined range of interest rates for the home loan needs of their customers.
A Mortgage Broker specializes in offering the services of other mortgage direct lenders. Their pricing can be competitive because each Mortgage Broker has access to a variety of interest rates and programs. However, a Mortgage Broker gathers paperwork from a borrower and must depend on other lenders to underwrite, draw the necessary documents, and fund their loans. This can significantly limit their flexibility and control of the transaction having to depend on others to meet the targeted deadline.
Mares Mortgage is a Direct Lender or Mortgage Correspondent and are specialists in all aspects of loan origination and mortgage services. We have unlimited flexibility to shop the entire lender market. This can provide significant pricing advantages over banks. In addition, Mortgage Correspondents are authorized to fund mortgages on their warehouse lines. They use their own funds, or funds borrowed from a warehouse lender to fund their loans. These in-house capabilities virtually guarantee quick and accurate closings for our customers.
I have known Cubie Hernandez for over 10yrs and recently solicited his help on the purchase of my first investment property.
I recently purchased a 4-plex in Long Beach. I wanted to purchase the property using FHA financing. It was my understanding that FHA financing was extremely difficult to obtain and required a number of “extra” due diligence compared to traditional financing. However, Cubie was extremely diligent in keeping me apprised of everything I needed to complete in order to obtain the financing. Not only did he make the process simple, he communicated his ability to close a transaction using FHA with the seller and their agent. In doing so, I am convinced Cubie was the reason we were picked to purchase the 4-plex over the other buyers.
Thanks to Cubie and Mares Mortgage for all their help. I have recommended Cubie to others whom have had similarly great experiences. I will continue to work with Cubie on all of my future purchases and refinances.
I have used Mares Mortgage several times over the past 5 years. Cutberto is very professional, up front and knowledgeable about mortgage financing. He keeps you informed throughout the process and if anything that can be done to improve my situation, he looks into every possibility. I have done and would definitely recommend Mares Mortgage to anybody that is in the market to finance or refinance their house purchase.
I had no idea what I was getting myself into buying a house, but mares mortgage was there with me every step of the way. I now own a single family home, which I would have never thought I could get.