Three decades of steady guidance.
Oscar brings more than 30 years of mortgage experience and a finance degree from Cal State Long Beach to every loan. He keeps you informed at every step, turning even complex transactions into a smooth, straightforward process.
San Juan Capistrano, CA · Licensed through Sea Country Mortgage Inc. dba Mares Mortgage, NMLS 246471.
Pick the path that fits your plan. Oscar reviews every application personally, from pre-approval to closing.
Not sure which loan fits? Start with a no-pressure conversation about your goals, timeline and numbers.
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.
Oscar 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.
Oscar brings more than three decades of mortgage advising experience, backed by a Bachelor's Degree in Finance from California State University, Long Beach. Known for his transparency and dedication, he keeps you informed at every step and makes sure you get the financing that fits your goals.
Three decades of mortgage advising through every kind of market.
A Bachelor's in Finance from Cal State Long Beach behind every recommendation.
Clients say he keeps them informed and always looks out for their best interest.
Over 60% of Oscar's clients have fully paid off their mortgages.
Call or text (949) 290-7106, or email oscar@maresmortgage.com. Oscar will walk you through your options in plain language.
Oscar Gonzalez, Senior Loan Officer · NMLS 339965 · DRE 01315161. 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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