Loan Officer

NMLS# 227119
Tel: (760) 655-1409

Email:  jhernandez@s1lending.com

San Marcos
277 Rancheros Dr. Suite 160
San Marcos, California 92069

TESTIMONIALS >

JOEL HERNANDEZ

I was born and raised in Los Angeles but made my home in San Diego after enlisting in the Marine Corps at the age of 18.  I travelled to many different countries, learned how to be a leader, made a lot of long lasting friendships, and best of all met my beautiful wife and mother of my three daughters.  I began helping families purchase and refinance their homes in July of 2004 just after finishing my enlistment in the Marines.  I’ve been blessed to have helped hundreds of families achieve their goals of homeownership.  There are very few things that are more satisfying to me than telling a family that we have closed escrow and they can now move into their new home.  I realize not every client is going to have perfect credit, income, or assets, and for this reason I pride myself on being able to guide and educate buyers on the best way for them to improve their financial situation so that they can buy a home in the future.  Unfortunately, some of the most underserved clients I have worked with are in the Veteran and Hispanic community.  There is a great need for education in terms of the benefits of homeownership in both communities and this is why I have specialized in helping both Veterans and Spanish speaking borrowers.  My goal is to educate, guide, and empower buyers so that they understand their options and make the best home buying decisions for themselves and their families.

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