About Christian Hernandez
Financing real estate is one of the most important financial decisions you will make. My role is to ensure the structure behind that decision is sound, clearly explained, and aligned with your long-term goals. With nearly two decades of experience in banking and mortgage lending, I provide disciplined, structured guidance through every stage of the process. Each transaction is approached with careful preparation, proactive communication, and a commitment to clean execution. Through access to a wide range of lending products and programs, I am able to tailor financing solutions to meet the specific needs of each client — whether purchasing, refinancing, or investing. The goal is not simply approval, but alignment: selecting the right structure for both the immediate transaction and long-term financial stability. My background in Business Management and Corporate Law allows me to evaluate financing with a risk-aware, detail-focused perspective — ensuring contracts are handled thoughtfully and your investment is positioned for long-term protection. I work closely with homebuyers, investors, and real estate professionals who value clarity, preparation, and results delivered without unnecessary friction. As a bilingual lending professional, I proudly serve clients in both English and Spanish, ensuring confidence and understanding from application to closing. When the details matter, experience and execution matter. Let's move forward with certainty.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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Monitor your loan status
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Calculators, tools, guides, and advice
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Located at 11333 N. Scottsdale Road, Suite 280 Scottsdale AZ, 85254
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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