LOAN INSIDER

Trending Blogs

    How Does Rent To Own Work: Beginner’s Guide

    Most people aspire to buy a home at some point in their lives. However, certain circumstances, like bad credit, can hinder any potential opportunities to purchase a house outright. But all hope isn’t lost. There is another option. You can…Read More

    14 Mortgage Questions You Should Ask Your Lender

    You’re ready to buy and can’t wait to start life in a new house. But first, you need to find the right mortgage lender. You should do your research when it comes time to choose a lender, and there are…Read More

    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

  • 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

  • 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

  • I have been a client for over 5 years.  Between my personal and business financial needs, Mares Mortgage and Christian Hernandez, in particular, have been a godsend.  Professionalism and honesty are their hallmarks.  This is why I refer all my family and friends to Christian.

    Andrew D. – Tustin, CA

    2016-02-02

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