About Us

Honesty, Integrity, Customer Service, not something you often hear about in a mortgage company.

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.

Interior Designs by Lindye Galloway Design

Personalized Care

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.

Solid, Trusted Organization

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.

What sets us apart?

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.

Why Choose a Mortgage Correspondent?

  • Traditional Bank or Mortgage Broker

    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.

  • Mortgage Correspondent

    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.

  • Mares Mortgage is a MUST for all of your mortgage and home purchasing needs. Almost two full years ago now, I was a first time home buyer. I knew absolutely nothing when it came to purchasing a home and what it entails. I found Mares Mortgage and their team of Mortgage professionals, and everything changed for the better.  I had the pleasure of working with Christian Hernandez, one of the mortgage brokers here and I have to say everything I experienced in regards to his work ethic, attention to detail, and customer service was top notch!

    Mike F. – Irvine, CA

    2015-05-28

  • Christian Hernandez has made all my loans close on time and even early! He has competitive rates and creative and conventional loan options. The whole staff is amazing, knowledgable, professional, and diligent. Christians pays attention to detail and responds very quickly! He is always available for questions, concerns or just injuries to see what the rate is. He is great at being able to determine a budget, he plugs in the numbers and is able to put your mind at ease. I have used Christian for many work transactions as he is bilingual in English and Spanish. He has taken great care of many of my clients and goes above and beyond to make them feel comfortable as purchasing a new home is very stressful and emotional. He even opened up his office for us late at night for a notary and clients to sign escrow documents. He goes above and beyond the normal lender. I would recommend him to anyone looking to purchase, refinance or get a loan on their property!

    Katrina R. – Rancho Santa Margarita, CA

    2015-09-28

  • If I could give Cubie from Mares mortgage ten stars I would! He was fantastic to work with in purchasing our new home. In this competitive real estate landscape Cubie was an invaluable asset throughout the buying process. He was incredibly patient and knowledgable which was crucial during the stressful first time home buying process. I am so grateful for all of the hard work Cubie put into our loan. He was available 24/7 for any questions my husband and I had. Cubie is my mortgage broker for life and I have recommended his services to my family and friends. Thank you Cubie and the team at Mares mortgage!

    Erika V. El Segundo, CA

    2016-01-20

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