LOAN INSIDER

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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

  • Words cannot begin to express the respect and admiration I have for Christian Hernandez and the team at Mares Mortgage. We started the house buying process nearly 1.5 years back. We started to work with three other mortgage brokers who quickly grew impatient with us because of our limited financial resources. As a newly married couple with minimal liquid capital, we needed to pursue FHA funding. Unlike the other brokers we worked with, Christian consistently went above and beyond the call of duty before, during, and even after the purchase of our new home. I have never written an online review before, but I decided that I would do so for Christian because he has been so terrific. We would likely not have been able to buy our home if it wasn’t for him. Forever grateful! Five stars!! You will not be disappointed.

    Carlos C. – Los Angeles, CA

    2015-07-24

  • I didn’t think I would get a loan and Mares found the perfect lender for me.  Talk about a personal touch, when I needed to ask them questions, there was no problem getting a hold of them immediately.

    Ask for Christian Hernandez.  He is the man!

    Da M. – Mission Viejo, CA

    2015-10-15

  • Mid Dec. 2014, I joined the race to Refi. By mid Jan. 2015 the termite inspector found termites eating my Loma Vista home. Dismayed, I posted a call for help on the NextDoor website.

    Christian Hernandez not only answered my call for a General Contractor but also answered my non-verbal call for a next door neighbor.

    As we talked and our mutual interests clicked, all my frustrations with my Refi efforts became clear. Christian introduced me to Mares Mortgage and solved my Refi problems!

    Christian Hernandez represents more than Mares Mortgage. He becomes the friend everyone wants on their side.

    Firing a frustrating Lender is not easy and is certainly not a pleasant undertaking. Christian fixed the Refi experience for me and dropped my interest rate by ¾%. That’s right: From 4.125% to 3.375%

    Thank you, Christian.  …  “I love you man!” …

    Paul K. – San Juan Capistrano, CA

    2015-03-13

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