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.
Great experience and fast service. They helped me purchase my first home and gave me peace of mind with their expertise!!
We just closed on our second home purchase with Mares. Christian is awesome. Through a few ups and downs Christian came through like a super champ for me and my husband. If you are in the market for a home loan or a refinance PLEASE call Mares Mortgage!!! The entire team is wonderful to work with, but Christian is our man for home loans!!! We are customers for LIFE!
Excellent mortgage service! This is the second time I worked with Cutberto (Cubie) Hernandez – first was to take out a mortgage loan against my home, and second as a refi with cash out. My experience the first time was so positive that I contacted Cubie again the second time without hesitation. Both times he and his team at Mares Mortgage were quick to respond, and patient to walk me through the steps and explain any confusing procedures to put me at ease. He even made the signing of loan docs convenient. The first time, I was on a trip to Northern Cal, but we didn’t need to wait until my return because he sent a notary to the hotel where I was staying, when I had some down time in my schedule! The second time, the notary came after hours to my house so I didn’t have to leave early from work. I appreciate that they accommodated me, and worked hard for me. I felt very taken care of and valued as a client. I will use them again if the need ever arises, and highly recommend them to anyone who wants to get the job done right, professionally, quickly, and conveniently. Thank you, Cubie, and Mares Mortgage, for the trust I have in you with my biggest investment!