Business Details
33 Years
experience
Your Trusted Mortgage Partner in Orange County
Founded in 1993 by Cutberto Hernandez, Mares Mortgage has built a legacy of integrity, service, and excellence in the mortgage industry. Our team of seasoned professionals specializes in delivering tailored loan solutions, including conventional, jumbo, VA, FHA, and HELOC programs, designed to meet the unique needs of homebuyers, refinancers, and investors. With over 30 years of experience, we leverage cutting-edge technology and a client-first approach to streamline the mortgage process, ensuring fast approvals, competitive rates, and personalized support.Our commitment to transparency, ethical practices, and customer satisfaction has earned us a reputation as the #1 Orange County mortgage broker, with a 99.9% approval success rate and thousands of homes financed nationwide. We pride ourselves on providing certainty, speed, and unmatched expertise to help clients achieve their homeownership goals.
Services
HELOC Loans
Mortgage Refinancing
Jumbo Loans
VA Loans
FHA Loans
Non-QM Loans
Conventional Loans
Details
- Year established: 1993
Highlights and features
- We have over 30 years of experience in mortgage lending and are the oldest broker on the West Coast.
- Our team delivers fast underwriting with 99.9% approval success and average 1-day escrow timelines.
- We offer zero-cost refinancing options and no appraisal requirements on many loan programs.
- Our AI-powered mortgage calculator provides instant, personalized financial insights.
- Weve financed over 100,000 homes with a client satisfaction rate reflected in 1,300+ online reviews.
What people say
Expert guidance
Fast approvals
Personalized service
Highly recommended
Stress-free experience
Services
Home Equity Line of Credit (HELOC)
Access your home's equity with competitive rates and flexible terms. Our HELOC programs offer instant approvals, funding in as little as 5 days, and fixed or variable rate options. Ideal for debt consolidation, renovations, or investments, we guarantee to beat any online rate quote. Self-employed borrowers benefit from alternative income solutions tailored to their needs.
Mortgage Refinancing
Simplify refinancing with zero-cost options and no appraisal requirements for many loans. We help lower payments, eliminate PMI, or access equity without hidden fees. Our process ensures competitive rates and fast closings, leveraging 30+ years of expertise to deliver savings and certainty for homeowners.
Jumbo Loans
Secure financing for high-value properties with tailored jumbo loan programs. Designed for luxury homes or unique financial situations, our solutions offer competitive rates and flexible underwriting. Our team specializes in navigating complex transactions to meet individual client goals.
VA Loans
Simplify homeownership with VA loans offering instant approval and favorable terms for veterans. Our streamlined process ensures fast closings and expert guidance, honoring service members' sacrifices with accessible, low-cost financing options.
FHA Loans
Achieve homeownership with FHA loans featuring low down payments and lenient credit requirements. Our team provides clear guidance through the process, ensuring affordability and compliance with federal standards for first-time buyers or those with limited credit history.
People
Cutberto Hernandez
Founder | Senior Loan Originator
Founded Mares Mortgage in 1993, Cutberto established a legacy of integrity and excellence. With decades of industry experience, he pioneered a client-first approach that remains central to the company's success.
Cubie Hernandez
Senior Loan Originator | Associate Broker
Cubie leads as a senior loan originator, leveraging over 25 years of expertise to guide clients through complex transactions. His commitment to personalized service ensures tailored solutions and exceptional client outcomes.
Christian Hernandez
Senior Loan Originator | Associate Broker
Christian specializes in mortgage origination, combining technical knowledge with a client-focused approach. His dedication to transparency and efficiency has earned him recognition as a trusted advisor in the industry.
Anne Dalfiume
Senior Loan Originator | Business Development Manager
Anne drives business growth while delivering expert mortgage guidance. With a focus on client relationships, she ensures seamless transactions and innovative solutions tailored to individual financial goals.
Bridget Odden
Senior Loan Originator
Bridget provides dedicated mortgage support, known for her responsiveness and market expertise. Her proactive approach ensures clients receive timely, informed guidance throughout the loan process.
Questions
What mortgage services do you offer?
We offer HELOC, refinancing, jumbo, VA, FHA, non-QM, and conventional loans tailored to your financial goals.
How can I get pre-approved for a mortgage?
Complete our quick online questionnaire to determine your eligibility—no credit check required for initial pre-approval.
Do you offer zero-cost refinancing options?
Yes, many of our refinancing programs include zero-cost options with no appraisal requirements.
How long does the mortgage process take?
We average 1 day for underwriting and 17 days in escrow, with HELOC funding available in 5 days.
Are you licensed and insured?
Yes, we’re licensed by the California Department of Real Estate (License #01174680) and NMLS-certified (ID 246471).
Can self-employed borrowers qualify for loans?
Yes, we offer alternative income solutions for self-employed individuals through specialized loan programs.
