Mares Mortgage

Mares Mortgage Mares Mortgage was founded by Cutberto Hernandez with the goal of executing quality home loans. Mares Mortgage brings seasoned experience and competitiveness.
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Our home loan consultants have provided quality financing since 1993. We act on a belief that our profession has built lifestyles for years and build the net worth of our clients in the process. Our products provide exceptional choices to purchase, refinance, and consolidate debt. Sea Country Mortgage Inc., D.B.A.: Mares Mortgage is a California Corporation established on October 28th, 1993 origin

ally to assist Realtors in Orange County, and now in Los Angeles, Riverside, San Bernardino, San Diego, and a team centrally located in Las Vegas, Nevada. We have funded a countless number of loans, while maintaining our policy of good ethics and hard work on each transaction. We are Certified Mortgage Planning Specialists, and Brokered by a member of National Association of Mortgage Professionals. Our membership promotes and reflects our ethical and legal good standing. We provide complete service for all government loans, complete service for conforming loans, the most competitive interest rates, Pre-Approval (Free TRW service for pre-qualification purposes), Pre-Approval within 24 hours of completing the loan application, Professional Bilingual service, and an experienced Notary Public service. We Are Approved to Transact Loans From:
American Home Equity Corporation
Clear Vision Funding
Essex Mortgage
First California Mortgage Group
FPF Wholesale, Div. Stearns
Hard Money (multiple investors)
Liberty Mortgage Bankers
MetLife Home Loans
Paramount Residential Mortgage Group, Inc. Stearns Lending
Sunwest Mortgage
United Wholesale Mortgage
Additionally, we are approved with the Federal Government to offer loans insured by HUD, such as FHA and VA. Call for a No Obligation consultation tailored to suit your needs. Our services are competitively priced and complementary!
1-888-946-2737 | 949-489-8300

Today, we celebrate International Women’s Day by honoring the strength, resilience, and boundless potential of women eve...
03/08/2026

Today, we celebrate International Women’s Day by honoring the strength, resilience, and boundless potential of women everywhere. Much like the children in the image walking a golden circle together, we recognize that when we support women, we create a continuous loop of progress and unity for future generations.

In the spirit of celebrating remarkable women, here is a tribute to the impact she leaves behind:

Voices that challenge the status quo. Ambition that fuels new discoveries. Nurturing spirits that build communities. Empowerment that breaks through barriers. Strength found in vulnerability and grace. Sisterhood that provides an unbreakable bond. Advocacy for a more equitable tomorrow.

Visionary leadership in every field. Intelligence that solves the world’s puzzles. Determination to rise despite the odds. Authenticity that inspires others to be themselves. Legacy that lights the way for those to come.

Happy International Women’s Day! Let’s continue to circle the world with support, equity, and celebration.

01/10/2026

Mortgage Matchup Center

11/05/2025

NCAA WATER POLO LESSONS
Control What You Can, Elevate Your Team

When I think about what made our LMU team successful, and what earned me a place in the record books, it wasn’t just talent. It was understanding my role and committing to it fully.

During the regular season, I focused on setting up my teammates and set the single-season assist record. But when the postseason came, everything changed. I found myself left open, and in that moment, my role shifted. I had to become the leading goal scorer of the tournament. Source: Wikipedia NCAA Division I Men’s Water Polo Final Four

That is the essence of being a great teammate: recognizing what your team needs right now, and rising to meet that need.

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Controllables vs. Non-Controllables

Success, whether in sports or life, comes down to knowing the difference between what is in your control and what isn’t.

You cannot control if a referee misses a call, the weather on game day, or that your program’s budget is smaller than a Division I powerhouse. But you can control how hard you train, how you support your teammates, and how you prepare to contribute when your number is called.

That is where winners are made.

⸻

Mindset in the Margins

Championships are not only won on the field. They are won in the small, invisible moments. How do you use your time between practices or on the bench?

Are you frustrated about what others are doing wrong, or are you studying the game, staying ready, and focusing on what you can bring when it is your turn?

How you spend that one degree of time, that tiny margin, shapes how you spend all your time.

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Final Takeaway

Postseason success happens when individuals stop worrying about what they cannot control and start doubling down on what they can.

When everyone commits to controlling the controllables, the entire team elevates. That is how you create something worth remembering.

11/03/2025

VOTE: Should parents stay silent or stay home if they can’t resist coaching from the sidelines?

CLIFFNOTES for Parents of Athletes

Marvin Harrison Jr.—son of Hall of Fame receiver Marvin Harrison Sr.—recently talked about learning to be more assertive on the field. His dad, who played with Peyton Manning, had that “throw me the ball anyway” confidence every great athlete needs. Harrison Jr. admitted he’s still learning that mindset.

It’s a reminder for parents: confidence and leadership can’t be forced from the sidelines. Kids have to develop it themselves through reps, challenges, and mistakes.

Too often, parents act like couch quarterbacks—shouting plays or critiquing every move. But the truth is, most of the kids who grow up successful, own homes, and build stability aren’t the ones whose parents lived through their stats—they’re the ones whose parents taught resilience, independence, and self-belief.

Let your kid play, fail, grow, and find their own “throw me the ball” voice. That’s how champions—on and off the field—are built.

10/24/2025

🧾 What a P&L Loan Is

A P&L loan lets self-employed borrowers prove their income using their actual business performance, not the number they write off for taxes.
• The lender reviews a 12- or 24-month P&L statement to calculate monthly income.
• Sometimes the lender also requires business bank statements to verify cash flow aligns with what’s shown on the P&L.
• These loans are part of the Non-QM family — meaning they fall outside standard Fannie Mae/FHA underwriting but are still fully documented and regulated.

It’s ideal for:
• Real estate investors
• Small business owners
• Contractors or gig-economy professionals
who have strong revenue but heavy tax deductions.

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💰 Why Rates Can Still Be Low

Even though Non-QM loans have traditionally higher rates, smart lenders who aren’t greedy are offering competitive pricing today — sometimes only 0.5% to 1.0% higher than conventional loans.

Here’s why:
1. Private capital competition. There’s more investor appetite for Non-QM mortgage-backed securities again, which lowers funding costs.
2. Tight underwriting. Lenders that truly understand P&L borrowers see lower risk than “no-doc” programs, so they can price better.
3. Volume vs. margin. Some lenders focus on building long-term relationships, not just quick profits — meaning they’ll price fairly instead of padding rates.
4. Secondary market normalization. Post-COVID spreads have narrowed, so Non-QM pricing is again near mainstream levels.

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⚖️ Example

If a conventional 30-year fixed loan is 6.75%, a good P&L loan might land between 7.25% and 7.75% depending on credit score, down payment, and reserves.

That’s still a solid trade-off for borrowers who can qualify based on their true business income — not the adjusted taxable one.


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In short:

A P&L loan rewards real entrepreneurs who actually earn more than their tax returns show.
And when your lender isn’t greedy — just smart — your rate doesn’t have to be punishingly high.

10/20/2025

When the Show Is Over — Trust the Performance Behind the Scenes
Watching a powerhouse like FISHER create music live is an experience. From the drop to the crescendo, the audience doesn’t need to know how the beats were built — they just feel them. That’s exactly the mindset we bring to homeownership.

Over the past 33 years, we’ve been backstage in the world of real estate, orchestrating every detail so you don’t have to. Because when it comes to buying or selling a home, our job isn’t to make you the technician — it’s to let you show up, enjoy the moment, and trust that the performance is solid.

Here’s the reality:
• You don’t want to learn how the DJ’s gear works. You just want the song to drop.
• You don’t want to figure out every clause, contingency, and market nuance. You want someone you trust handling it.
• You don’t want to rebuild your net-worth from scratch — you want the equity-story to write itself over time.

And the research backs this up. According to the National Association of REALTORS, homeownership brings more than just financial gain. “The personal satisfaction and sense of accomplishment achieved through homeownership can enhance psychological health, happiness and well-being for homeowners and those around them.” 

That’s right — the benefits go far beyond simply owning property. Stability, community engagement, pride of place, and a foundation for long-term wealth all join the chorus. 

When you work with us, you’re not joining a show where you’re expected to DJ the mix. You’re invited to the front row, experiencing something great — knowing the soundboard is in capable hands. Over three decades of homeowners. Every one with a good outcome. No drama. Just results.

So if you’re ready to step into the spotlights of homeownership, let’s turn up the volume and make it a performance to remember.
“YA CAME TO PARTY!”

10/13/2025

It’s HARD TO MOVE IN THR WINTER.
BUT DO IT AND GET 🤑

“Winter has the lowest activity in the real estate market, offering better deals due to motivated sellers and lower prices.” - NAR President

❄️ Winter isn’t just slow — it’s strategic.
In many markets, home sellers are more motivated and buyer competition is lower during the winter months. 

🏠 What that means for you:
• Better room to negotiate on price
• More attention from agents (less seasonal traffic)
• Serious buyers only — fewer time-wasters

Thinking of making a move this winter? Let’s talk strategy.

Address

32172 Camino Capistrano, Ste A
San Juan Capistrano, CA
92675

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm
Saturday 9am - 4pm
Sunday 9am - 4pm

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