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    580 Credit Score Home Loans: What You Need to Know

    Having a low credit score may be challenging, and in the past may have meant that homeownership was off the table. Fortunately, this is no longer true. There are loans available for people with low or bad credit, and we’ll…Read More

    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

    What is a HUD Home?

    This is one government agency you want to know about, especially if you’re looking to buy a home. HUD creates opportunities for homebuyers to purchase while saving tens of thousands of dollars. Here’s some information about HUD and the deals…Read More

    What are HOA Fees?

    A Richmond, Texas homeowner was recently cited by her local HOA, or homeowners association, for displaying strip club-themed skeletons in front of her house in a goofily raunchy sense of Halloween spirit. The members of her local HOA were not…Read More

    Buying Subject to an Existing Loan

    The typical cost of a new home today is about $326,800. So, if you are in the market for a new home, now may be a great time to consider buying. Still, many new homeowners don’t consider that along with…Read More

    11 Cities Where you Can Buy a Home Under $150,000

    Who doesn’t want to own a home? For many Americans, homeownership is probably the greatest personal life investment one can make during their lifetime. Ultimately, a house cannot truly become your home until you finish all of the mortgage payments.…Read More

    What Does Homeowners Insurance Cover

    In the 1993 film “True Romance,” there is a memorable line about firearms protection where a character says, “it’s better to have it and not need it than need it and not have it.” That excellent movie line could be…Read More

    13 Survival Tips for Renting Your Own Home

    If you’re someone who’s thinking about renting your own home to strangers, you’ve got some things to consider. Maybe you’re giving some thought to the benefits of a little more cash coming in. Perhaps you’ve daydreamed about using that extra…Read More

    Buying a Foreclosed House

    What do you think about when the idea of buying a foreclosed house comes to mind? You’ve probably seen listings for what sound to be genuinely amazing deals in newspapers and online real estate sites, right? Maybe you’re someone looking…Read More

    How to Refinance a Mortgage With Bad Credit

    If you need to refinance your mortgage, it can be harder than you think, especially if you’ve got bad credit. Even if you’ve got an average credit score, you might be tempted to believe that refinancing isn’t an option for…Read More

  • My wife and I were very pleased to work with Oscar Gonzalez at Mares Mortgage. He helped us get into the right loan that fit our needs. We were impressed by his knowledge, attention to detail, trustworthiness, and direction throughout the entire process from start to finish.

    Oscar from the beginning gave us the direction needed to get our financial situation in order before moving forward on the listing of our old home and the purchase of our new home.
    When it came to the loan process, he gave us options and explained them clearly and thoroughly. Oscar was accessible and always had time for us. His advice and professionalism were exceptional. We couldn’t be more happy with Oscar and will continue to give him our business in the future.

    Anybody looking for a loan, look no further then Mares Mortgage and ask for Oscar!

    Mike M. – Rancho Santa Margarita, CA

    2015-10-19

  • 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

  • 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

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