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    How to Pay Off Your Mortgage in 5 Years

    Owning a home has always been a big part of the American dream, but spending 30 years in debt for a traditional mortgage probably sounds scary. Mortgages aren’t necessarily that bad compared to other high-interest debts, like credit cards, but…Read More

    What Happens to Your Mortgage When You Sell Your House

    What Happens to Your Mortgage in a Typical Sale In a traditional home sale, ideally, you will sell your home for more than the amount that’s left on your mortgage. Especially if you’ve been paying the mortgage for years, you…Read More

    What Are Some Mortgage Modification Options?

    Life circumstances often change, and sometimes that change means that our financial situation changes. Refinancing is a good option, but not everyone can qualify. Unforeseen circumstances like a loss of income, natural disaster, or divorce can put homeowners in a…Read More

    What Percentage of Income Should Go To My Mortgage

    How much house can you really afford? With rising rent prices, this can be a little bit of a hot-button topic. Financial gurus and thrifty spenders weigh in with many different opinions. But what matters is what the bank is…Read More

    When Should You Refinance Your Home?

    Refinancing your mortgage is one way to save a lot of money. Lower interest rates, shorter terms, and different mortgage types can all be strategic cost-savings that make refinancing an appealing option. But just like the original loan, refinancing comes…Read More

    How To Pay Your Mortgage With A Credit Card

    Paying your mortgage with a credit card is not as straightforward as pumping gas for your car or buying groceries. Most banks that offer mortgage lending services will not accept credit card payments on those mortgages. But, with a workaround,…Read More

    Conforming Loan Limits in California

    A conforming loan is a type of home loan that has to conform to specific guidelines. Those guidelines are set by Government Sponsored Entities (or GSE’s) like loan providers such as Fannie Mae or Freddie Mac. The loan amount is…Read More

    What is a Home Renovation Loan and How Do I Use One?

    One of the largest investments you can make is buying a home, so properly maintaining it is essential for keeping or improving its value. Sometimes these types of improvement projects are planned. Other times they aren’t. What are your options…Read More

    Everything you need to know about Hybrid Loans

    What is a Hybrid Loan? A hybrid loan is a mixture of two types of loans—specifically a fixed-rate loan and an adjustable-rate mortgage. The term hybrid in hybrid-loan refers to the fixed period of the loan. Usually, this time is…Read More

  • Mares Mortgage Client Testimonial

  • 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!

    Phebe A . – Los Angeles, CA

    2015-06-08

  • I’ve used Mares Mortgage for the past 7 years, and I can’t see myself using anyone else.  Oscar at Mares is always reaching out to let me know when I have an opportunity to lock in a more favorable rate, and the service is amazing.  Honest folks, great service… you can’t go wrong here.

    Joe L. – San Juan Capistrano, CA

    2016-04-10

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