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Joel Hernandez
Branch Manager - Partner | NMLS # 227119
277 Rancheros Dr. Ste. 160 San Marcos, CA 92069 | Mortgage
5.0 -
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Synergy One Lending Inc. NMLS 1025894. 3131 Camino Del Rio N 190, San Diego, CA 92108. Alabama Consumer Credit License #22123; Department of Financial Institutions ? Arizona Mortgage Banker License 0926603; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act ? California License 4131356; Licensed by the Connecticut Consumer Credit Division ? Mortgage Lender License ML-1025894; Regulated by the Colorado Division of Real Estate, Colorado Mortgage Company Registration 1025894; Delaware Licensed Lender #020926; District of Columbia Mortgage Dual Authority License MLB1025894; Florida Mortgage Lender License MLD1079; Georgia Residential Mortgage Licensee. Georgia Mortgage Lender License #46648; Hawaii Mortgage Loan Originator Company License #HI-1025894. Idaho Mortgage Broker/Lender License MBL-8537; Illinois Residential Mortgage Licensee #MB.6761115; Licensed by Indiana Department of Financial Institutions ? First Lien Mortgage Lending License 27156; Iowa Division of Banking ? Mortgage Banker License 2015-0038; Kansas Licensed Mortgage Company License #MC.0025258; Kentucky Mortgage Company License #MC327694; Louisiana Residential Mortgage Lending License #1025894; Maine Supervised Lender License 1025894; Maryland Commissioner of Financial Regulation ? Mortgage Lender License 21678; Michigan 1st Mortgage Broker/Lender License FL0019960; Minnesota Residential Mortgage Originator License #MN-MO-1025894; Licensed by the Mississippi Department of Banking and Consumer Finance. Mississippi Mortgage Lender License #1025894;Montana Mortgage Lender License 1025894; Montana Mortgage Broker License 1025894; Nebraska Mortgage Banker License 1025894; Nevada Mortgage Broker License 4317. Licensed by the New Hampshire Banking Department 19926-MB; Licensed by the New Jersey Banking and Insurance Department ? New Jersey Residential Mortgage Lender License 1025894; New Mexico Mortgage Loan Company License 1025894; Licensed by the North Carolina Commission of Banks office ? North Carolina Mortgage Lender License L-164411; Ohio Mortgage Broker Act Mortgage Banker Exemption MBMB.850248.000; Oklahoma Mortgage Lender license #ML010730; Oregon Mortgage Lending License ML- 5208; Pennsylvania Department of Banking and Securities License 49997; Rhode Island Lender License 20163229LL; Rhode Island Loan Broker License 20163230LB; South Carolina- Board of Financial Institutions Mortgage Lender / Servicer License MLS-1025894; Tennessee Mortgage License #125659; Texas Mortgage Banker Registration 1025894; Utah DRE Mortgage Entity License 8954729; Vermont Lender License 6891. Virginia Mortgage Broker and Lender Licensee, NMLS ID 1025894; Washington Consumer Loan Company License CL-1025894; Wisconsin Mortgage Lender License #1025894BA; Wyoming Mortgage Lender/Broker License 2677. (877) 978-1922.
About Joel Hernandez
I was born and raised in Los Angeles but made my home in San Diego after enlisting in the Marine Corps at the age of 18. I traveled to many different countries, learned how to be a leader, made a lot of long lasting friendships, and best of all met my beautiful wife and mother of my three daughters. I began helping families purchase and refinance their homes in July of 2004 just after finishing my enlistment in the Marines. I've been blessed to have helped hundreds of families achieve their goals of home-ownership. There are very few things that are more satisfying to me than telling a family that we have closed escrow and they can now move into their new home. I realize not every client is going to have perfect credit, income, or assets, and for this reason I pride myself on being able to guide and educate buyers on the best way for them to improve their financial situation so that they can buy a home in the future. Unfortunately, some of the most underserved clients I have worked with are in the Veteran and Hispanic community. There is a great need for education in terms of the benefits of homeownership in both communities and this is why I have specialized in helping both Veterans and Spanish speaking borrowers. My goal is to educate, guide, and empower buyers so that they understand their options and make the best home buying decisions for themselves and their families.