Rick Hernandez · Branch Manager
Your home journey,
guided by people who care
Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.
NMLS #4892709+ Years ExperienceLicensed in 1 State
37
Recent Loans Closed
9+
Years Experience
4.86★
Average Rating (124 reviews)
Meet Your Loan Officer
The mortgage process
should feel like a milestone,
not a headache.
Meet Rick, a Loan Officer at American Financial Network licensed in 1 state. Reach out to discuss your homeownership goals.
Backed by American Financial Network's nationwide lending platform and the most advanced mortgage technology in the industry, I bring institutional resources to a personal relationship.
“My clients don't just get a loan officer. They get a team, a technology platform, and an advocate.”
NMLS #489270
Licensed 1 State
AFN NMLS #237341
A Better Way
Traditional process vs. working with us
Traditional Process
✕
Phone tag & voicemail
Wait hours or days for a callback from your loan officer
✕
Manual paperwork
Print, sign, scan, and email stacks of documents
✕
Weekly updates (maybe)
Left wondering where your file stands in the pipeline
✕
45+ day closings
Delays, missing docs, and last-minute surprises
With Rick + Sophia
→
Instant answers, 24/7
Sophia responds in seconds — Rick follows up personally
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Automated document collection
Upload from your phone, AI organizes everything
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Real-time status tracking
Know exactly where your loan stands at every moment
→
Faster, predictable closings
Streamlined process means fewer delays and no surprises
Loan Programs
Every option. Your best fit.
◆
Conventional
Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
◆
FHA
Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
◆
VA
Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
◆
Jumbo
High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
◆
Renovation
Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
◆
Non-QM
Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
Available 24/7
Meet Sophia,
your AI-powered mortgage assistant
Get instant answers, explore loan options, estimate payments, and start your application — any time, day or night. Sophia is backed by Rick's expertise and AFN's full lending platform. When you're ready, Rick steps in personally.
→
Estimate monthly payments based on your actual scenario→
Explore loan programs matched to your situation→
Start your application without waiting for a callback→
Check local market conditions and neighborhood dataS
Sophia
Backed by Rick · NMLS #489270
Hi, I'm Sophia — Rick's AI-powered mortgage assistant. I can help you explore options, estimate payments, or start your application. What's on your mind?
What can I afford on $120K income?
Based on a $120K annual income, you could qualify for roughly $480K–$540K depending on your debts, down payment, and rate. Want me to run a detailed scenario?
Client Experiences
Trusted by families nationwide
★ ★ ★ ★ ★
The amount of care and attention that went into our loan approval and everything else we needed to do. Rick and his team made sure we understood everything and that we were confident in moving forward. They were always available if we had questions and made sure the whole process ran smoothly. I cant wait to tell everyone i know that Rick and his team are the best!!
Ryan Anthony S.
Ontario, CA
★ ★ ★ ★ ★
Rick and Aimee were absolutely amazing!I had a short sale purchase that created many obstacles that they navigated through very smoothly and thoroughly. They maintained being solution oriented while maintaining extremely great communication, clarification and reassurance. I would only buy or sell my homes in the future with them at my side. They worked extremely well with my realtor and ALL parties involved. Documents were requested and processed in extremely timely manner, and they made the process feel as if I were family and provided a very personal tailored experience to my process. They exceeded all expectations and I would only ever recommend utilizing them as anyone's lender. It was the epitome of perfect customer service! Thank you again for everything Rick!
Paul Joseph N.
Beaumont, CA
★ ★ ★ ★ ★
Ricardos communication and knowledge walking me through the process and what would be best for my situation.
Andrew W.
La Habra, CA
★ ★ ★ ★ ★
Communication and quick response from all the loan team is what made it great.
Macario C.
Perris, CA
★ ★ ★ ★ ★
Rick was helpful from the very beginning. Great communication amd and kept me informed every step. felt as if a family member was helping me with the process.
Michael Stephen O.
Fontana, CA
Tools
Payment Calculator
$3,174/mo
P & I$2,528
Prop Tax$500
Ins$146
Afford
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No MI
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30 years
This is not a commitment to lend. Not all borrowers will qualify. Loan approval is subject to credit, underwriting, and program guidelines. Terms and conditions apply. Rates and program availability are subject to change without notice.
Real Estate Partners
Are you a real estate agent?
I provide your clients with a premium lending experience, on-time closings, and 24/7 access to Juliet for instant updates. Let's build a partnership that elevates your business.
Partner With MeGet in Touch