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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

    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

  • The best experience possible for such a stressful time! Christian Hernandez is not only professional, but also calm and informed about everything that goes into the home buying process. We were new to the process and didn’t know all that was involved. We are so thankful we chose Mares Mortgage to walk us through it and assure us along the way! Thank you again and we would highly recommend them to anyone!

    Lindsay R. – Newport Beach, CA

    2016-02-04

  • My husband and I are extremely pleased on how smoothly our refinance went through with Christian Hernandez help! We are super excited as we’ll be saving a few hundred $ every month on our mortgage payment. Christian is the man to go to  His expertise and knowledge is superb. He helped us buy our first home and he was very helpful through out the entire process. We were so pleased we just knew we had to go back to him to refinance. He’s the man to go to for all your mortgage needs!

    P G. Tustin, CA

    2016-03-30

  • 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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