Financing built on the numbers.
Since 2007, Cubie has originated residential loans across seven states and has managed and invested in multi-family property himself. He structures every purchase loan, HELOC and FHA loan around where you want to be next, not just around closing day.
San Juan Capistrano, CA · Licensed through Sea Country Mortgage Inc. dba Mares Mortgage, NMLS 246471.
Pick the path that fits your plan. Cubie reviews every application personally, from pre-approval to closing.
FHA for first-time homebuyers, plus options for ITIN borrowers and self-employed buyers who qualify with a profit & loss statement.
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. ITIN and profit & loss loans are non-QM programs, not FHA loans.
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.
Cubie 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.
Cubie also leads financial analysis at Authentic Partners, Mares Mortgage's sister company, helping owners and investors see exactly how a property performs before they buy, refinance or sell.
Income, expenses, cap rate and cash-on-cash return broken down so you know exactly how a property is performing today.
A grounded estimate of what a property is worth, built from local sales, rental comps and current market conditions.
A review of your current loan, refinance scenarios and how financing choices affect your long-term returns.
Careful applicant screening and income risk analysis that protect your cash flow before a lease is signed.
Cubie Hernandez, also known as Cutberto Hernandez III, has delivered customer-focused, strategic real estate financing as Chief Sales Officer of the Mares team since 2007. His mission is simple: listen, problem-solve, and secure the best financing terms possible for every client and partner.
He has managed and invested in multi-family property, so he evaluates financing the way an owner would.
As Vice Chair of the Education Committee at AIME, he helps loan officers and broker-owners sharpen their skills.
He co-published a book on foreclosure counseling to help homeowners through the 2007 mortgage crisis.
He mentors student athletes and supports local community initiatives.
Call or text (949) 702-7208, or email cubie@maresmortgage.com. Cubie will walk you through your options in plain language.
Cubie Hernandez, Senior Loan Originator & Associate Broker · NMLS 246116 · DRE 01800998. 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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