Cutberto’s Profile

Cutberto Hernandez, president and owner of Mares Mortgage, founded the company with the mission of procuring home loans through a lens of education. He enjoys helping families build wealth through advisement on proper use of their financial resources, as well as basic techniques for defining and achieving their goals. He is passionate about educating the next generation of clients and the youth of local communities.

Cutberto started Mares Mortgage with the belief that eventually customers would sustain the business by either using the services or referring their loved ones. More than 20 years later, the company continues to thrive by providing excellent customer service and top-quality financing. Cutberto and his team hold relationships with more than 1,000 families and have funded more than 2,000 loans.

In addition, Cutberto is the co-publisher of educational materials created to aid homeowners during the financial crisis of 2008 and has presented techniques to more than 1,000 Southern California realtors on helping homeowners negotiate their own loan modifications with banks. He also has coached more than 500 families on negotiating directly with banks in order to save their homes.

Committed to philanthropy, Cutberto served as co-chair for the fundraising campaigns resulting in construction of Mission Basilica School, Parish Center and installation of the largest “Retablo” in the U.S., as well as the Boy Scouts Hut and the new Boys & Girls Club of San Juan Capistrano facilities voted “Best in Orange County.” He was also recently named founder and benefactor of the Meseo Katsuo—a museum located at the Marine Science Facility at his alma mater, el Universidad Autonomo de Baja California.

Cutberto and his wife, Kimberly Rae Hernandez, have been married for 33 years. They have three children and four grandchildren, and live in Dana Point, California.


  • Statistics and Program Coordinator, Inter American tropical Tuna Commission (IATTC) Scripps Institute of Oceanography, 1982–1987
  • Housing Inspector Environmental Health, County of Orange, 1987–1989
  • Loan Originator, South County Mortgage Inc., 1989–1992
  • Branch Manager, Master Financial Inc., 1992–1993
  • Director, Boys & Girls Club, San Juan Capistrano, California, 2004–2008
  • Director, Capistrano Valley Bank, Inc., 2007–2008
  • President-Owner, Sea Country Mortgage Inc. DBA: Mares Mortgage., 1993–present


  • Oceanologist, Bachelor in Science, Masters’ Thesis in Oceanology—Univeridad Autonoma de Baja California, Mexico

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