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    What You Should Know About Financing with a HARP Mortgage

    What is HARP A HARP (Home Affordable Refinance Program) mortgage is a home loan refinance program that offered homeowners the ability to refinance. Many homeowners have “underwater mortgages,” which means they owe more on their mortgage than the value of…Read More

    580 Credit Score Home Loans: What You Need to Know

    Having a low credit score may be challenging, and in the past may have meant that homeownership was off the table. Fortunately, this is no longer true. There are loans available for people with low or bad credit, and we’ll…Read More

    Can You Buy A House With No Money Down?

    If not for down payments, many more people would be homeowners. The down payment is a hurdle that deters them from even trying to purchase a home. Even with a reasonable income, it’s no easy feat to accumulate 20% of…Read More

    What is a HUD Home?

    This is one government agency you want to know about, especially if you’re looking to buy a home. HUD creates opportunities for homebuyers to purchase while saving tens of thousands of dollars. Here’s some information about HUD and the deals…Read More

    What are HOA Fees?

    A Richmond, Texas homeowner was recently cited by her local HOA, or homeowners association, for displaying strip club-themed skeletons in front of her house in a goofily raunchy sense of Halloween spirit. The members of her local HOA were not…Read More

    Buying Subject to an Existing Loan

    The typical cost of a new home today is about $326,800. So, if you are in the market for a new home, now may be a great time to consider buying. Still, many new homeowners don’t consider that along with…Read More

    11 Cities Where you Can Buy a Home Under $150,000

    Who doesn’t want to own a home? For many Americans, homeownership is probably the greatest personal life investment one can make during their lifetime. Ultimately, a house cannot truly become your home until you finish all of the mortgage payments.…Read More

    What Does Homeowners Insurance Cover

    In the 1993 film “True Romance,” there is a memorable line about firearms protection where a character says, “it’s better to have it and not need it than need it and not have it.” That excellent movie line could be…Read More

  • As a real estate agent, I had an unbelievably positive experience working with Christian over the course of 3 different mortgages.  The situation was complex, and the other two mortgage brokers we worked with said that it wasn’t possible for my client to close.  Christian found a way, and worked INCREDIBLY hard, and never seemed to get frustrated or upset despite the amount of extra effort he had to put in to make it all work.   I HIGHLY recommend Christian Hernandez!

    Brian W. – San Francisco, CA

    2015-07-08

  • 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

  • We used Mares for our refinance on our mortgage.  Christian was so helpful for all of our questions and made the process way less overwhelming than we thought it would be.  The customer service was outstanding, working around our hectic schedules and he was so thorough with the explanations on everything.  They ended up saving us a ton with competitive rates and their fees were all reasonable and clear cut.  We’d gladly use them again!

    Bethany L. – Newport Beach, CA

    2015-10-10

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