Mortgage guidance built around real scenarios

The Mortgage Finders is a California mortgage brokerage in Chula Vista. We work with people whose situations don’t always fit a template, and most people’s don’t.

The team, or the Chula Vista office. Real and specific to TMF, not a generic office stock photo.

4/3 · awaiting asset

Angel Hernandez, NMLS #1099542
Licensed in: CA
Equal Housing Opportunity
(619) 567-1553
Conventional Loans
FHA Loans
VA Loans
Jumbo Loans
Self-employed friendly
First-time buyers
Refinance and cash-out
Free payment calculator
Adjustable-Rate Mortgages
30-Year Fixed
15-Year Fixed

Why we exist

A bank can only offer you what a bank sells. That works fine if you are a straightforward W-2 borrower with a large deposit and an uncomplicated property. Plenty of people are not.

As a broker, we compare strategies across lenders rather than fitting you to a single product line. That matters most for the borrowers who get turned away first, self-employed people whose tax returns understate their income, investors buying through an entity, veterans who have never had the VA benefit properly explained to them.

The other half of the job is communication. A mortgage is stressful mostly because of uncertainty, and a lot of that is avoidable. Knowing where your file is, and what is coming next, removes more anxiety than any rate quote.

How we work

Strategy
We start from what you're trying to do, not from a product.
Options
The paths genuinely open to you, with the trade-offs shown.
Communication
You know where things stand without asking.
Execution
Through underwriting, appraisal and closing.

Founder

Angel Hernandez

CEO & Senior Loan Officer

NMLS #1099542 · DRE #01299735

Whether you're buying, refinancing, or building your dream home, you have a lot riding on your loan officer. Market conditions and mortgage programs change constantly, so you need someone who can give you quick, accurate advice rather than a script. Angel has the experience to work through the financing options genuinely available to you, and the goal is always that you make the right choice for your family, not the fastest one.

Read Angel’s full profile

What we hold ourselves to

Clarity
Plain explanations of what each option costs and why. If the answer is complicated, we say so rather than simplify it into something misleading.
Responsiveness
You should never have to chase us to find out where your loan stands.
Accountability
We tell you when something is a problem, including when the problem is that the numbers don't work.
Long-term relationships
Most of our business comes from people who came back, or sent someone. That only happens one way.