Annette Hernandez Mortgage Banker

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Annette Hernandez Mortgage Banker Annette Hernandez NMLS # 918395
Clear Mortgage Capital Inc NMLS #1935005

10/26/2026

Veterans, this one’s for you.
California just passed SB 296, a new law expanding the property tax exemption for disabled veterans. The goal is simple: help the veterans who served us stay in their homes.
Here’s what to know:

Who it’s for: Veterans with a 100% service-connected disability rating, and in some cases their spouses.
What it does: Expands the existing disabled veteran’s exemption so qualifying homeowners can save more on their property taxes.

When it starts: The new exemption applies beginning with the January 1, 2027 property tax lien date.

What to do next: Check with your county assessor’s office to confirm your eligibility and how to file. Every situation is a little different.

Here in San Diego, so many of our neighbors are veterans and military families. If you’re a veteran thinking about buying, or wondering how this could change your monthly costs, send me a message. I’d love to help you run the numbers.

10/22/2026

If you’ve been looking for a triplex, this one is a must-see. 🏡

Located in the highly desirable Rancho Del Rey community of Chula Vista, this property has a remodeled main home with high ceilings, custom cabinetry, and a primary suite patio overlooking the canyon. Behind it are two newly built, permitted units, each with its own entrance, mini split, and washer and dryer.

Live in one and rent out the other two. Or keep family close with a true multigenerational setup.

✔️ Nearly 15,000 sq ft canyon lot
✔️ Solar
✔️ Pavers throughout and room for multiple cars
✔️ No HOA, no Mello-Roos
Offered at $1,499,000.
Wondering how rental income from the units could help you qualify? Text or call me at 619-395-1210 and let’s find your yes.

Annette Hernandez | NMLS #918395
Listing courtesy of Maria Hernandez, DRE 01367017, and Roberto Guerrero, DRE 01802391, CFL Realty

10/19/2026

Buying a condo? Read this before you fall in love with a unit.

The fast pass for condo loans is gone. Lenders used to barely look at the HOA when you put 10% down on an established building.

Now conventional lenders have to fully review the building, including its reserves, insurance, and overall financial health.

That means if the building doesn’t pass, even perfect credit won’t get the loan approved.

But some things actually got easier. Buildings with lots of renters aren’t automatically disqualified anymore, and smaller buildings with 10 units or less may skip the deep review entirely.
Before you write an offer, ask the HOA two questions: How much is in reserves? When was the last reserve study done?
Been told a building won’t qualify?

That’s not always the final answer. Send me a message and let’s take a look.

10/16/2026

“My parents want to help me buy, but how does that actually work?”

I hear this question all the time, and the good news is there’s more than one way to do it.

Gift funds: Family gives you money toward your down payment or closing costs.

Gift of equity: Family sells you their home for less than it’s worth, and that discount (the equity) can count toward your down payment. Many buyers have never heard of this option, and it can be a game changer for keeping a home in the family.

Both are completely legitimate. They just need to be documented the right way, with a proper gift letter, a clear paper trail, and a lender who knows how to structure it.

I’ve helped San Diego families close both ways this year, and I’d love to help yours do it right.

Send me a message and let’s talk through your options.

08/07/2026

Why FHA Loans Are STILL the #1 Choice for First-Time Home Buyers

With rates and prices where they are, everyone assumes conventional loans are the only "real" option. But FHA loans continue to be the top pick for first-time buyers — and once you see why, it makes sense.

If you've been searching "best loan for first-time home buyers," "FHA vs conventional loan," or "how do first-time buyers afford a house right now," here's the breakdown:

✔️ Only 3.5% down required (vs. the 10-20% people assume they need)
✔️ Credit scores as low as 580 can qualify
✔️ Down payment can be 100% gifted from family
✔️ More forgiving on debt-to-income ratios than conventional loans
✔️ Easier to qualify with limited credit history

FHA was literally built for buyers just starting out — not perfect financial profiles, real ones. I've had clients assume they needed to wait years to save more or fix their credit, when the truth was FHA already fit exactly where they were.

If you're a first-time buyer wondering whether you actually qualify for anything right now, this is usually where we start.

Send me "FHA" and let's find out what you qualify for.

06/26/2026

Self-employed in California and your tax returns are getting in the way of buying a home, this is worth reading.

Your CPA writing off a lot doesn't mean you can't buy, it just means a traditional loan isn't your path. A bank statement loan uses your last 12 months of deposits instead of your returns to show what you actually earn, and in a lot of cases that means buying with as little as 10% down.

If your business is doing well but your paperwork doesn't show it, there's a program built for exactly that.
DM me OWNER and let's see if this is your path.

06/19/2026

Told you don't qualify for a home loan in California, before you give up, read this.
For over a decade outside-the-box financing has been my whole specialty. Self-employed buyers, business owners, foreign nationals, investors, people with the means who just can't show it the traditional way. I've helped a lot of them buy when they were sure they couldn't.
A no from one lender isn't the final word. Usually it just means you haven't found the right program yet.
DM me PLAN and let's talk. You may be closer than you think.

06/16/2026

Looking to invest in real estate in California but your tax returns keep getting in the way, this is the loan to know.

A DSCR loan qualifies you on the property’s rental income instead of your personal income, which means no pay stubs, no W-2s, and often no tax returns.

It’s become one of the most popular ways for investors to keep buying without their write-offs counting against them.

If you’ve got funds ready and a goal in mind, this is worth a real conversation before you assume you don’t qualify.

DM me INVESTOR and let’s run your numbers.

06/08/2026

Foreign national looking to buy property in the U.S. without American income, this is the one to save.

The myth is that you need a Social Security number and years of tax returns to own here, and it stops a lot of capable buyers before they ever start.

A foreign national loan is built for exactly this, and in many cases all it takes is a valid passport, two months of bank statements, and your down payment funds.

If you've got savings and you've always pictured owning here, don't count yourself out before you talk to someone who actually structures these.

Si eres extranjero y quieres comprar en Estados Unidos sin ingresos de aquĂ­, esto es para ti.

Muchas veces solo necesitas pasaporte vigente, dos meses de estados de cuenta y los fondos para el enganche. Mándame la palabra EXTRANJERO y platicamos.

Address

861 Harold Place, Suite 304
Chula Vista, CA
91914

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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