Since 2007, Cubie Hernandez aka-Cutberto Hernandez III-has been delivering customer-focused, strategic real estate financing solutions as CSO (Chief Sales Officer) of the Mares team. In that time, he has funded and originated residential loans across seven states, and even managed and invested in multi-family real estate properties. With nine consecutive years recognized in the NMLS Top 1% Originator rankings, Cubie demonstrates consistent excellence and industry leadership.
Cubie’s core competencies span investments, real estate financing, and exceptional client service. He has also played a pivotal role in educating fellow professionals—serving as Vice Chair of the Education Committee at AIME—helping new and established NMLS-licensed loan officers and broker-owners enhance their skills. Beyond the lending world, Cubie co-published a book on foreclosure counseling, offering critical help to homeowners during the 2007 mortgage crisis.
Ever driven to empower others, Cubie is passionate about mentoring student athletes, supporting community initiatives, and continuously refining his practice for ongoing growth and improvement. His mission is simple: to listen, problem-solve, and secure the best financing terms possible for every client and partner.
Ready to experience Cubie’s commitment and expertise firsthand?
Apply today with Cubie and discover your buying power and investment potential.
DRE 01800998 | NMLSR 246116
Senior Loan Originator | Associate Broker
DRE License: 01800998
NMLS ID: 246116
LI: https://www.linkedin.com/in/cutberto
IG: https://instagram.com/maresmortgage
Licensed to originate mortgage loans throughout multiple states. Greater Orange County and Southern California focus.📍 Mares Mortgage – San Juan Capistrano, California
Cubie Hernandez (Cutberto Hernandez III) is an accomplished mortgage professional with nearly two decades of experience helping clients secure tailored home financing solutions across multiple states. Based in Southern California, Cubie specializes in residential mortgage origination and strategic lending solutions that support first-time buyers, move-up buyers, refinances, and real estate investors. His approach blends deep industry expertise with personalized client care to ensure every borrower feels informed and confident throughout the mortgage process.
Cubie’s career in mortgage lending began in 2007, and over that time he has funded and originated loans in seven states, demonstrating his ability to navigate diverse markets and loan scenarios. He has been recognized for nine consecutive years in the NMLS Top 1% Originator rankings, highlighting consistent excellence and industry leadership.
Beyond loan origination, Cubie is highly regarded for his contributions to mortgage education and professional development. He serves as Vice Chair of the Education Committee at AIME, where he helps NMLS-licensed loan officers and broker-owners refine their skills and stay current with industry best practices.
Cubie Hernandez’s core strengths include:
Cubie’s mission is simple: to listen carefully, solve problems creatively, and secure the best possible financing terms for every client. His attentive service and strategic approach make him an excellent partner for borrowers navigating today’s dynamic mortgage market.
Cubie is recognized not only for his technical expertise but also for the meaningful relationships he builds with clients and partners. Real estate professionals and homeowners alike trust his dedication, responsiveness, and ability to deliver favorable outcomes in competitive scenarios.
Example client feedback (excerpted from third-party review platforms):
“Cubie has stepped in and saved multiple deals for me. As a Realtor you need lenders on your team that can help in any and all situations. He was even able to provide better rates than a New Home lender.” — Realtor, Orange County client review.
Additional client impressions reflect fast closings, clear communication, and dependable service from Cubie and the broader Mares Mortgage team.
Cubie works with borrowers to match them with ideal mortgage solutions, including:
Explore these loan options: https://www.maresmortgage.com/mortgages
Ready to make your homeownership goals a reality? Cubie is here to guide you with clarity and expertise. Choose the option that works best for you:
📄 Apply Now with Cubie Hernandez: [insert direct application link] if there is any
🗓 Schedule a Consultation: [insert calendly or scheduling link] if there is any
📞 Call/Text: (949) 702-7208
📧 Email: cubie@maresmortgage.com
With Cubie, you get more than a lender — you get an advocate who listens, educates, and delivers solutions designed around your financial goals.
🔗 The Ultimate Guide For California First-Time Home Buyers — Guide for budget planning
🔗 How to Afford a Second Home in California — Tips and checklists
🔗 Reasons to Refinance Your Home— When and why to refinance
These resources help you once you begin your mortgage journey with Cubie.
Discover why thousands choose us for their mortgage needs. Our experience, speed, and dedication make homeownership easier than ever.
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