Christian Hernandez serves as a Senior Loan Originator and Associate Broker at Mares Mortgage, where he has consistently ranked among the top 1% of loan officers nationwide for nearly a decade. His performance is driven by a combination of industry expertise, discipline, and a deep understanding of client needs. Rather than focusing solely on volume, Christian prioritizes quality execution, ensuring that each loan is handled with precision and care. His reputation reflects not just production numbers, but long-term client trust and repeat business.
Christian’s background in a family-run mortgage business provided him with early, hands-on exposure to the lending process. From an early stage, he learned how to evaluate borrower profiles, structure deals, and navigate lender requirements. This foundation gave him a practical, operational understanding of the industry that goes beyond textbook knowledge. As a result, he approaches each transaction with both technical expertise and real-world insight, allowing him to anticipate challenges and solve them efficiently.
One of Christian’s key differentiators is his ability to successfully close complex and unconventional loan scenarios. He has extensive experience working with non-warrantable condos, unique property types, and borrowers with nuanced financial situations. While many lenders may decline or delay these deals, Christian takes a proactive approach by identifying viable solutions and structuring loans that meet both client goals and underwriting standards. This problem-solving capability makes him a go-to resource for challenging transactions.
Christian places a strong emphasis on collaboration, regularly working with top real estate agents, brokers, and financial professionals across Southern California. These relationships enable smoother transactions by improving communication and alignment among all parties involved. By working closely with experienced professionals, he ensures that timelines are met and potential issues are addressed early. This team-based approach ultimately benefits clients by reducing friction and keeping deals on track.
Clients consistently describe Christian as someone who goes above and beyond to deliver results. His “whatever it takes” mindset means he is willing to invest extra time and effort to ensure loans close successfully. Whether that involves late-night follow-ups, resolving last-minute underwriting conditions, or coordinating with multiple stakeholders, he remains fully engaged throughout the process. This level of commitment provides clients with confidence and peace of mind during what can often be a stressful experience.
Efficiency is a hallmark of Christian’s process, but it never comes at the expense of accuracy. A notable example comes from client Tedd Dicus, who shared how Christian secured underwriting approval by Wednesday and cleared the loan for closing by Friday. This rapid turnaround highlights his ability to prepare complete, well-structured files and maintain strong communication with lenders. His focus on both speed and precision ensures that clients can meet tight deadlines without unnecessary complications.
Christian’s work is closely aligned with Mares Mortgage’s commitment to client-focused service. He recognizes that every borrower has unique financial goals and circumstances, and he tailors each loan strategy accordingly. By taking the time to understand each client’s situation, he is able to recommend solutions that are both practical and beneficial in the long term. This personalized approach helps clients feel informed, supported, and confident throughout the lending process.
For borrowers seeking a streamlined, efficient, and results-driven mortgage experience, Christian Hernandez offers both expertise and reliability. His track record, combined with his hands-on approach, ensures that clients receive high-level service from start to finish.
Ready for a streamlined process and certainty of approval?
Click here to start your loan application with Christian and discover what top-tier service truly feels like.
DRE 01887390 | NMLSR 378369
Discover why thousands choose us for their mortgage needs. Our experience, speed, and dedication make homeownership easier than ever.
.png)
