Complex loans, closed with certainty.
Christian has ranked among the top 1% of loan officers nationwide for nearly a decade. Raised in a family mortgage business, he structures every loan with precision, including the complex and non-traditional scenarios other lenders turn away.
San Juan Capistrano, CA · Licensed through Sea Country Mortgage Inc. dba Mares Mortgage, NMLS 246471.
Pick the path that fits your plan. Christian reviews every application personally, from pre-approval to closing.
Pick a time that works for you and talk through your goals, timeline and numbers with Christian, with no pressure.
Get pre-approved before you start touring homes.
Open a line now and draw only when the right opportunity appears.
Not a commitment to lend. All loans are subject to credit approval, underwriting and property eligibility. Rates, terms and programs are subject to change.
The best opportunities rarely arrive on schedule. A home equity line of credit can sit open and unused until the right moment: a down payment on a rental, a property priced below market, an ADU or a new business.
Christian sets up the line while there's no pressure, so the capital is already in place when you need it.
Approval, appraisal and paperwork done while there's no pressure.
Nothing drawn. The line waits, ready, while you keep living your life.
The right property, the right price, the right timing.
Move with confidence while others are still arranging funds.
Patience is key. But preparation is made by establishing resources in advance.
The best opportunities rarely arrive on schedule. You never have to force a deal.
Set up your resources before you need them, not in the middle of the opportunity.
Ready capital is the best way to be prepared. Sellers favor buyers who can move.
A HELOC is secured by your home. Interest is generally charged only on the amount you draw, and some lines carry annual or inactivity fees. Rates, terms and eligibility vary; review the details with a licensed loan officer before you apply.
Christian serves as a Senior Loan Originator and Associate Broker at Mares Mortgage, where he has ranked among the top 1% of loan officers nationwide for nearly a decade. He pairs hands-on industry expertise with a client-first approach, tailoring every loan strategy to your goals.
Among the top 1% of loan officers in the country for nearly a decade.
Non-warrantable condos, unique properties and nuanced finances, structured to close.
One client went from underwriting approval to clear to close in just two days.
Works closely with top agents, brokers and financial pros across Southern California.
Call or text (949) 525-0570, email christian@maresmortgage.com, or book a consultation online. Christian will walk you through your options in plain language.
Christian Hernandez, Senior Loan Originator & Associate Broker · NMLS 378369 · DRE 01887390. Sea Country Mortgage Inc. dba Mares Mortgage, NMLS 246471, DRE 01174680, 32172-A Camino Capistrano, San Juan Capistrano, CA 92675. Equal Housing Opportunity.
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