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    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

    House Buying Checklist for Beginners

    Buying a house for the first time can be a daunting undertaking. Even if you’ve purchased a home before, it’s still not something most consider easy. After all, there are so many things involved, such as hunting for your dream…Read More

    Signs You’re Ready to Buy Your First House

    Adulthood comes quickly, and with it comes many unexpected responsibilities. These responsibilities include shopping for groceries, washing the laundry… and dishes, considering the possibilities of roommates or a spouse or even raising the much shorter roommates, aka kids.  One of…Read More

    Should You Consider Mortgage Protection Insurance?

    If you are a current homeowner, chances are you have heard about mortgage protection insurance, and it could be a wise investment to protect your property from foreclosure. But before you decide on whether to get mortgage protection or not,…Read More

    Buying A Second Home: How To Finance

    You would think that buying a second home would be the same as purchasing the first.  But, unfortunately, that’s not usually how it pans out. The process is often significantly more complicated and involves many tax implications than don’t apply…Read More

    Reasons to Refinance Your Home

    Refinancing a mortgage can deliver a lot of benefits and such a strategy should never be overlooked. Many homeowners with existing mortgages will always keep an eye out on interest rates and look for when to refinance to take advantage…Read More

    First Home Buying Guide: Tips and Tricks

    Home buying is always an exciting but overwhelming endeavor. There are many things to consider and a lot of money is at stake!   Luckily, we’ve compiled some tips and tricks to put the consumers first so that the complex…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

  • I loved working with Oscar Martinez at Mares Mortgage!  Let’s face it – financing a home purchase is a pain. There are constant demands for documents and more documents, and the process usually drags on and on.  Oscar was amazing – he handled it all, and was so easy to work with.  I highly recommend (hence, the 5 stars) Mares Mortgage.  They were recommended to me by Tom Hribar, the realtor, and it was a great recommendation.  I’ll go back to them if I ever need to refinance or buy another home.  Great experience!

    Lori C. – Orange, CA

    2015-12-11

  • I have known Cubie Hernandez for over 10yrs and recently solicited his help on the purchase of my first investment property.

    I recently purchased a 4-plex in Long Beach.  I wanted to purchase the property using FHA financing.  It was my understanding that FHA financing was extremely difficult to obtain and required a number of “extra” due diligence compared to traditional financing.  However, Cubie was extremely diligent in keeping me apprised of everything I needed to complete in order to obtain the financing.  Not only did he make the process simple, he communicated his ability to close a transaction using FHA with the seller and their agent.  In doing so, I am convinced Cubie was the reason we were picked to purchase the 4-plex over the other buyers.

    Thanks to Cubie and Mares Mortgage for all their help.  I have recommended Cubie to others whom have had similarly great experiences.  I will continue to work with Cubie on all of my future purchases and refinances.

    Ben E. – Manhattan Beach, CA

    2015-09-03

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