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What we SPECIALIZE in
First Time Home Buyers
Down Payment Assistance
Down Payment Assistance
Buying your first home is exciting, but it can also feel overwhelming. I’ll guide you step-by-step, making the process simple and stress-free so you feel confident every step of the way.
Down Payment Assistance
Down Payment Assistance
Down Payment Assistance
Worried about saving for a down payment? We’ll explore programs that may help cover part or almost ALL of your costs so you can get into a home sooner than you think.
VA Loans
Down Payment Assistance
FHA/ Conventional Loans
Proudly serving our veterans and active-duty military families. With no down payment and no mortgage insurance, VA loans make homeownership possible for those who’ve served our country.
FHA/ Conventional Loans
FHA/ Conventional Loans
Offering flexible financing options to fit your needs. FHA loans are great for first-time homebuyers with low down payments, while Conventional loans are ideal for buyers with strong credit seeking competitive rates.
ITIN Loans
Helping non-U.S. citizens become homeowners. If you file taxes with an ITIN number, there are financing options available to help you purchase a home and start building equity.
Investor (Non- QM) Loans
Perfect for real estate investors and self-employed buyers. These loans offer flexible approval requirements, making it easier to grow your investment portfolio or purchase non-traditional properties.
The loan officer/ la prestamista
Lizette Hernandez
With over 3 years of experience helping families across central valley and bay area, I’ve built my business on relationships, trust, and a passion for community.
As one of the few Latina mortgage professionals in the area, I take pride in guiding families — especially first-time buyers — through every step of the process.
When you work with me, you’re not just another file number — you’re part of the family.
Con más de 3 años de experiencia ayudando a familias en el Valle Central y el Área de la Bahía, he construido mi negocio basado en relaciones, confianza y una pasión por la comunidad.
Como una de las pocas profesionales latinas en el sector hipotecario de la zona, me enorgullece guiar a las familias —especialmente a los compradores de casa por primera vez— en cada paso del proceso.
Cuando trabajas conmigo, no eres solo otro número de expediente… eres parte de la familia.