Guaranteed Rate is one of the largest retail lenders in the nation. Combined with Guaranteed Rate’s award winning and industry leading platform, Jorge Hernandez is proud to offer his clients an extensive array of low rate, low fee loan programs along a seamless and simple process for all their home purchase and refinance needs. Consumers have a difficult time finding someone who will speak plainly and truthfully to them about loan programs and their options. For prospective home buyers, one of the most important steps of the loan process is getting clear and honest information that they understand. Jorge has been in the mortgage industry for almost twenty years. He maintains his thriving business by always taking care of his clients, first and foremost. He is particularly knowledgeable about conventional, government, and jumbo loans available for purchase or refinance transactions. He is proud that his business is primarily referral based, a reflection of his clients’ trust, and the highest professional compliment he can receive. Jorge earned a Business Administration degree from Cal State Dominguez Hills, where he met his wife. An active community member, each year Jorge and his family support his son’s school through annual fundraising events and field trips. He also supports the local AYSO region where he has volunteered as a youth soccer coach for the last five years.
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- Los Angeles County
- Orange County
- San Diego County
- Riverside County
- San Bernardino County
- Ventura County
- Conventional loans
- FHA loans
- Jumbo loans
- Personal loans
- Lines of credit
- First time home buyers
- Down payment assistance
- VA loans
- Cal HFA
- Reverse Mortgage
|Loan type||Rate||APR||Discount points ($)||Mo. payment|
This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate, Inc. and are subject to change without notice. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges).
Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.
Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.
FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.
VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.
These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
One discount points equals one percent of your loan amount.
Guaranteed Rate, Inc. has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.