Hector Fernandez NMLS 1164327 with Home & Financial Lending, LLC

Hector Fernandez NMLS 1164327 with Home & Financial Lending, LLC Helping clients with their lending needs, from first time home buyers, investors, foreign nationals,

I am a professional loan originator who focuses on solutions and satisfaction for each of my client’s unique situations. Whether you are looking for a new loan with great terms, or finding a better refinance solution, I will individually consult with you to ensure that I offer a full line of loan product solutions that best match your unique needs and financial situation.I look forward to better u

nderstanding your personal loan needs and finding the best solution. We will work together to help accomplish your financial goals.

Heads-up! I've got access to programs that offer assistance to qualified homebuyers toward their down payment or closing...
10/25/2025

Heads-up! I've got access to programs that offer assistance to qualified homebuyers toward their down payment or closing costs. It's the sharp play: Ask me how!






*** All loans are subject to credit approval. Interest rates are subject to change daily and without notice.
Current interest rates shown our indicative of market conditions and individual qualifications and will vary
upon your lock-in period, loan type, credit score, purpose, and loan to value.

Hector L. Fernandez
Mortgage Consultant, NMLS # 1164327
Home & Financial Lending, LLC NMLS # 2085791
https://hfmortgages.com
[email protected]

Think you're dreaming? It's true: You CAN put as little as 3% down* to get into your next home. Reach out and I'll expla...
10/25/2025

Think you're dreaming? It's true: You CAN put as little as 3% down* to get into your next home. Reach out and I'll explain how it's possible!






*** All loans are subject to credit approval. Interest rates are subject to change daily and without notice.
Current interest rates shown our indicative of market conditions and individual qualifications and will vary
upon your lock-in period, loan type, credit score, purpose, and loan to value.

Hector L. Fernandez
Mortgage Consultant, NMLS # 1164327
Home & Financial Lending, LLC NMLS # 2085791
https://hfmortgages.com
[email protected]

Appraisal waivers let qualified homebuyers skip the in-person appraisal process, which could result in sizeable savings!...
10/24/2025

Appraisal waivers let qualified homebuyers skip the in-person appraisal process, which could result in sizeable savings! Ready to politely decline your appraisal? Reach out and I'll show you how.






*** All loans are subject to credit approval. Interest rates are subject to change daily and without notice.
Current interest rates shown our indicative of market conditions and individual qualifications and will vary
upon your lock-in period, loan type, credit score, purpose, and loan to value.

Hector L. Fernandez
Mortgage Consultant, NMLS # 1164327
Home & Financial Lending, LLC NMLS # 2085791
https://hfmortgages.com
[email protected]

Wondering how your divorce will affect your home and mortgage? I've helped others in your situation and have the experie...
10/24/2025

Wondering how your divorce will affect your home and mortgage? I've helped others in your situation and have the experience you need. Reach out anytime.






*** All loans are subject to credit approval. Interest rates are subject to change daily and without notice.
Current interest rates shown our indicative of market conditions and individual qualifications and will vary
upon your lock-in period, loan type, credit score, purpose, and loan to value.

Hector L. Fernandez
Mortgage Consultant, NMLS # 1164327
Home & Financial Lending, LLC NMLS # 2085791
https://hfmortgages.com
[email protected]

What's the difference between me and everyone else? I'm local, I'm an expert and I can offer you a variety of home loan ...
10/22/2025

What's the difference between me and everyone else? I'm local, I'm an expert and I can offer you a variety of home loan options to pick from. Discover how these differences can work for you. Call me!






*** All loans are subject to credit approval. Interest rates are subject to change daily and without notice.
Current interest rates shown our indicative of market conditions and individual qualifications and will vary
upon your lock-in period, loan type, credit score, purpose, and loan to value.

Hector L. Fernandez
Mortgage Consultant, NMLS # 1164327
Home & Financial Lending, LLC NMLS # 2085791
https://hfmortgages.com
[email protected]

If you're in the market for a home, I'll put the pedal down to make it happen! Reach out today and get every advantage p...
10/22/2025

If you're in the market for a home, I'll put the pedal down to make it happen! Reach out today and get every advantage possible.






*** All loans are subject to credit approval. Interest rates are subject to change daily and without notice.
Current interest rates shown our indicative of market conditions and individual qualifications and will vary
upon your lock-in period, loan type, credit score, purpose, and loan to value.

Hector L. Fernandez
Mortgage Consultant, NMLS # 1164327
Home & Financial Lending, LLC NMLS # 2085791
https://hfmortgages.com
[email protected]

How do monthly savings at the start of your home loan sound? It's something you could do with a temporary rate buydown! ...
10/20/2025

How do monthly savings at the start of your home loan sound? It's something you could do with a temporary rate buydown! Use that extra money to ease your transition from renting to buying or for renovations in your home. Call me!

Want to own your own home while still enjoying community amenities? A condo may be the right choice for you, and I can h...
10/20/2025

Want to own your own home while still enjoying community amenities? A condo may be the right choice for you, and I can help you find the right loan! Call me today.






*** All loans are subject to credit approval. Interest rates are subject to change daily and without notice.
Current interest rates shown our indicative of market conditions and individual qualifications and will vary
upon your lock-in period, loan type, credit score, purpose, and loan to value.

Hector L. Fernandez
Mortgage Consultant, NMLS # 1164327
Home & Financial Lending, LLC NMLS # 2085791
https://hfmortgages.com
[email protected]

When you work with me, you could experience a faster, cheaper and easier home loan process! And speaking of fast, I can ...
10/04/2025

When you work with me, you could experience a faster, cheaper and easier home loan process! And speaking of fast, I can get you an initial approval on an FHA or conventional loan in as little as 15 minutes. Call me today to learn more!






*** All loans are subject to credit approval. Interest rates are subject to change daily and without notice.
Current interest rates shown our indicative of market conditions and individual qualifications and will vary
upon your lock-in period, loan type, credit score, purpose, and loan to value.

Hector L. Fernandez
Mortgage Consultant, NMLS # 1164327
Home & Financial Lending, LLC NMLS # 2085791
https://hfmortgages.com
[email protected]

Want the convenience of living in a condo, but unsure about the home loan process? That's why I'm here! Give me a call t...
10/03/2025

Want the convenience of living in a condo, but unsure about the home loan process? That's why I'm here! Give me a call today so I can find a condo loan suitable for you!





*** All loans are subject to credit approval. Interest rates are subject to change daily and without notice.
Current interest rates shown our indicative of market conditions and individual qualifications and will vary
upon your lock-in period, loan type, credit score, purpose, and loan to value.

Hector L. Fernandez
Mortgage Consultant, NMLS # 1164327
Home & Financial Lending, LLC NMLS # 2085791
https://hfmortgages.com
[email protected]

Yes, qualified buyers really can get into a home with just 1% down. Call me and I'll show you how! ...
10/01/2025

Yes, qualified buyers really can get into a home with just 1% down. Call me and I'll show you how!






*** All loans are subject to credit approval. Interest rates are subject to change daily and without notice.
Current interest rates shown our indicative of market conditions and individual qualifications and will vary
upon your lock-in period, loan type, credit score, purpose, and loan to value.

Hector L. Fernandez
Mortgage Consultant, NMLS # 1164327
Home & Financial Lending, LLC NMLS # 2085791
https://hfmortgages.com
[email protected]

Did you know flex term refinancing lets you change your interest rate without extending your home loan term? It's a winn...
09/29/2025

Did you know flex term refinancing lets you change your interest rate without extending your home loan term? It's a winning move that fits your budget and helps you meet your goals — call to find out more!






*** All loans are subject to credit approval. Interest rates are subject to change daily and without notice.
Current interest rates shown our indicative of market conditions and individual qualifications and will vary
upon your lock-in period, loan type, credit score, purpose, and loan to value.

Hector L. Fernandez
Mortgage Consultant, NMLS # 1164327
Home & Financial Lending, LLC NMLS # 2085791
https://hfmortgages.com
[email protected]

Address

6400 Melaleuca Lane, Suite 401
Lake Worth, FL
33463

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 10am - 5pm
Sunday 10am - 5pm

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