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Joel Hernandez
Branch Manager - Partner | NMLS # 227119
277 Rancheros Dr. Ste. 160 San Marcos, CA 92069 | Mortgage
5.0 -
114 Review(s)
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Synergy One Lending Inc., also doing business as Mutual of Omaha Mortgage, NMLS 1025894. 3131 Camino Del Rio N 190, San Diego, CA 92108. Alabama Consumer Credit License #22123; Arizona Mortgage Banker License 0926603; Arkansas Combination Mortgage Banker/Broker/Servicer License 109250; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act – California License 4131356; District of Columbia Mortgage Dual Authority License MLB1025894; Hawaii Mortgage Loan Originator Company License #HI-1025894; Illinois Residential Mortgage Licensee #MB.6761115; Maine Supervised Lender License 1025894; Maryland Commissioner of Financial Regulation - Mortgage Lender License 21678; Minnesota Residential Mortgage Originator Exemption #MN-OX-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; Oregon Mortgage Lending License ML- 5208; Rhode Island Lender License #20163229LL. Rhode Island Loan Broker License #20163230LB; Vermont Lender License 6891. Washington Consumer Loan Company License CL-1025894. Toll Free #: (877) 978-1922. Subject to Credit Approval. www.nmlsconsumeraccess.org Equal Housing Opportunity
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.