Michael Hernandez Mortgage Broker and Realtor

Established with a mission to support the housing needs of low and moderate-income individuals, CalHFA has been instrumental in making the dream of owning a home a reality for thousands since its inception.

California Housing Finance Agency: Empowering Dreams Explore The California Housing Finance Agency, its history, mission and the programs it offers to promote affordable housing in California.

Unlocking Potential: The Pros and Cons of Buying a Fixer-Upper Discover if buying a fixer-upper is your key to homeownership. Weigh the pros and cons for an informed decision.

Before you dive into the world of renovation dreams, it’s essential to weigh the pros and cons to determine if a fixer-upper is the right choice for you.

Unlocking Potential: The Pros and Cons of Buying a Fixer-Upper Discover if buying a fixer-upper is your key to homeownership. Weigh the pros and cons for an informed decision.

Purchasing a home is a significant milestone, but navigating the complex landscape of mortgages can be overwhelming. This is where mortgage brokers step in, playing a crucial role in simplifying the home buying process.

Mortgage Brokers: Streamlining the Home Buying Process Seamlessly navigate home buying with expert mortgage brokers. Personalized solutions for a stress-free journey.

In the intricate world of real estate transactions, enlisting the services of a buyer’s agent can be a game-changer.

Buyer's Agent: Navigating Real Estate with Confidence Navigate real estate confidently with a buyer's agent. Expert guidance and skilled negotiation for a seamless homebuying experience.

Mortgage interest rates play a pivotal role in the home buying journey, influencing the affordability of your dream home. Understanding how these rates work and the factors that affect them is crucial for any prospective homeowner.

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🎄🏡 There's something extra special about finding a home during the holiday season! 🌟🏠 Whether it's the cozy ambiance, the joy of new beginnings, or the magic in the air, buying a home around this time feels like unwrapping the perfect present. 🎁✨ From twinkling lights to the warmth of a new hearth, the search for your dream home becomes an adventure filled with wonder. 🌟✨ Embrace the holiday spirit as you step into your new home and create cherished memories. 🏡❤️✨

When you are ready to list your home there are a few things that are necessary to a successful transaction. Avoid headaches and net top dollar for your home with a pre-listing inspection.

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What you need to know about VA Funding Fees.
https://brokermike.loans/va-home-loan-funding-fee-what-you-really-want-to-know/

Now may be the perfect time for a HELOC. With rates on everything from cars to credit cards going up, a HELOC can help consolidate your debt and reduce your payments.

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The benefits of a FHA mortgage.
https://brokermike.loans/unlocking-the-door-to-homeownership-with-fha-loans/

How can you score a few extra FICO points to qualify for a better mortgage?

https://brokermike.loans/fico-shock-your-lender-can-help-with-a-rapid-rescore/

Can You Buy a Home with IRS Debt?

https://brokermike.loans/home-buying-with-irs-debt/

When listing your home for sale, the most important consideration is how to get the most attention from potential buyers. It’s simple, the more buyers interested in your home the better. You have already considered how to build curb appeal and staging the home for marketing and home visits, but have you prepared your home for buyers who may wish to use FHA financing?
https://brokermike.loans/prepare-your-home-for-fha-financing

Chino Hills CA Real Estate | Michael Hernandez Michael Hernandez, your Chino Hills CA Real Estate agent can help you find your perfect home. Learn about Chino Hills CA neighborhoods, Chino Hills CA suburbs, and the best places to live in Chino Hills CA. You will find a wealth of useful Real Estate information for home buyers and sellers on my we...

Looking for the perfect mortgage loan? Look no further! As your dedicated independent mortgage broker, my top priority is to find the best loan that suits your unique needs. With my expertise and wide network, I'll shop around on your behalf, ensuring you get the best rates and terms. Let's partner up today and make your dream home a reality!

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Gone are the days when a hefty 20% down payment was required to buy a home. Today, you can start building equity with as little as a 3% down payment. This means that homeownership is more attainable for many people, especially first-time buyers. With this lower barrier to entry, you can take advantage of the current real estate market and start investing in your future. So, if you've been dreaming of owning a home, now is the perfect time to take the leap and start growing your equity with just a 3% down payment.

📢 Calling all side hustlers! 📢
Has your side hustle taken center stage and become your main hustle? 🚀 We've got great news for you! 💥 Introducing Bank Statement loans, designed especially for hardworking individuals like you who don't have pay stubs to prove their income. 💰💼
Now you can pursue your dreams without the hassle of traditional income verification! 🙌🏼💡 Give me a call today to learn more about how Bank Statement loans can empower you on your entrepreneurial journey. 📞✨ Let's make your side hustle your main hustle! 💪🏼

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🎖️ Are you a military veteran looking to buy a home? 🏡 Good news! There are several mortgage options tailored just for you! 💪🏼💼

With VA loans, you can enjoy benefits like low interest rates, no down payment, and flexible credit requirements. 📉💰

Take advantage of this opportunity and secure a loan that suits your needs and supports your family's future. 🌟

Give me a call today to discuss the different VA loan products available and let's make your dream of homeownership a reality! 📞🏠


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🏡 Searching for your dream home but worried about timing? 📆 Don't stress! Let us help you secure the perfect loan for your new home 🏠 before your lease runs out! 😊 With us, the process is quick and hassle-free, often faster than big banks or online lenders. 💨 Discover how we can make your homeownership dreams a reality. Call us today and let's make it happen! 📞

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Looking to buy your dream home? Look no further! With my mortgage expertise, I'll help you find the best home loan options that maximize your money and match your needs. Let's chat about your goals and find the perfect home together! 🏡💰

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🏠 Looking to buy your dream home? We've got you covered! 🌟

We understand that finding the perfect mortgage can be a daunting task. That's why we work with multiple lenders to ensure we find the one that aligns directly with your goals. 🤝

But here's the best part – we make sure you never get charged extra for queso at the closing table! 🧀💰

Our dedicated team is here to guide you through the entire process, so you can focus on what really matters – turning that house into your dream home! 🏡💫

Don't let hefty fees ruin your homebuying experience. Trust [Company Name] to find you the right mortgage without any extra surprises. Contact us today and let's get you one step closer to your dream home! 💙✨


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Going through a divorce is already a tough journey, and worrying about your mortgage shouldn't add to the stress. When you're ready to explore your options, give me a call. I specialize in helping individuals navigate through this challenging time and find the best mortgage solutions. Let's work together to ensure a smooth transition.

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🏡 Ready to make your dream home a reality? 💭💭

Don't let financing hold you back! 🙅‍♀️🙅‍♂️ Call us during your lunch break to discover how you can get approved in just 15 minutes. 📞✅

With our quick and hassle-free process, nothing will stop you from stepping into your dream home. 🚀🔑

Don't wait any longer! Contact us today and let's make your homeownership dreams come true. 💪🏠💙



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🏦💼💰 Good news for all the self-employed individuals out there! 🎉💪

Have you been struggling to qualify for a loan due to your unconventional income sources? 🤔 Well, worry no more! 💁‍♂️🙅‍♀️

Introducing Bank Statement Loans - a game-changer for self-employed individuals like you! 🎯✨ These loans make it easier than ever to qualify, as they consider your bank statements as proof of income. 📊💪

No more hassle of providing pay stubs or tax returns! 📜✅💼 With bank statement loans, you can showcase your financial stability through consistent deposits and demonstrate your ability to repay. 💯💵

So, if you're self-employed and dreaming of that new home or business expansion, take advantage of this fantastic opportunity! 🏠🚀💼 Reach out to us today and let us help you secure the loan you deserve! 🙌💼💰

Did you know that a local independent mortgage broker can close a home 2-3 times faster than their retail competitor? It's just one of the many reasons to work with someone who puts your priorities first. Give us a call and let's get started.

Are you a homeowner looking for a flexible way to access funds? Look no further than a Home Equity Line of Credit (HELOC)! A HELOC allows you to tap into the equity you've built up in your home, providing you with a line of credit that you can use for various purposes. Whether it's home renovations, consolidating debt, or covering unexpected expenses, a HELOC gives you the freedom to use your home's value to your advantage. Unlike a traditional loan, a HELOC offers a revolving line of credit, meaning you can borrow, repay, and borrow again as needed, making it an incredibly convenient and cost-effective solution. With competitive interest rates and flexible repayment options, a HELOC is a smart financial tool that can help you achieve your goals while leveraging the investment you've made in your home. So why wait? Explore the benefits of a Home Equity Line of Credit today and unlock the potential of your home's equity.

Forget pay stubs, bank statements and all that extra paperwork. We verify income without the stress.

Michael Hernandez Mortgage Broker and Realtor updated their address.

Real estate agents — let me help your buyers save cash at closing. Call today to see if they qualify for an escrow waiver!

No need to worry about losing out on today's rates when you work with me! Call today to get pre-approved. I’ll secure your rate for up to 90 days while you shop! The best part? If rates drops while you’re shopping, you’ll get the better rate!