Realize Your Dream of Home Ownership

Welcome to Residential Bancorp, I'm Fernando Hernandez, your California home loan expert dedicated to making sure your home purchase or refinance experience is top-notch.

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Fernando Hernandez

Fernando Hernandez

Production Manager
NMLS# 258327

(562) 572-4648 Email Me

Explore Your Loan Options

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What's Your Home Worth Today?

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Real Customer Experiences

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  • As soon as we started working with our agent Fernando we knew he would take good care of us! He was quick to follow up on EVERYTHING, kept us in the loop, was very honest, professional, and very thorough on all paperwork. I recommend him to everyone! Refinance - Owner occupied - Conventional Financing  Closed… Rosalia Ulibarri - July 2, 2019
  • Our family has been blessed to have bought our very first home! Fernando Hernandez was the best! This was our first time going through the home buying process. He made our first experience smooth by guiding us every step of the way and was patient with us the whole time. Fernando also helped ease our… Taumafa & Okusitino Tavake - April 24, 2019
  • Fernando was the absolute best! He answered all 1,000,000 of our questions and made us feel completely at ease. Purchasing a home definitely comes with some stress but having him there to address our concerns made us more confident in our investment decisions. As first time homebuyers we could lean on him for support. He… Alyssa Watkins - February 7, 2019
  • We were fortunate enough to work with Fernando Hernandez for our first home purchase and he was amazing. He made the entire process so easy from start to finish. He was readily available with any questions we had and helped ease our stress as first time home buyers. We would recommend Fernando to anyone interested… Virginia Escoto-Gonzalez - February 7, 2019

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

$
$
Want a Copy of the Results?

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.

$

5%

1%

5%

$
$
Want a Copy of the Results?

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

1%

4.5%

$
$
Want a Copy of the Results?

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
Reasons to Buy a Home Now California September 16, 2019

Reasons to Buy a Home Now

Whether you are a first-time buyer or looking to move up to the home of your dreams, now is a great time to purchase a home in California. Here are three major reasons to buy today. 1. Affordability Many people focus solely on price when talking about home affordability. Since home prices have appreciated throughout…

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Things To Do Before the Movers Arrive California September 9, 2019

Things To Do Before the Movers Arrive

Working with professional movers is a great option for people making big moves, moving with kids, or moving large or fragile items that would be otherwise impossible to transport. But while many moving companies do a great job of providing end-to-end service, there are some things that only you can do to make the whole…

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Americans Feel Great About Real Estate California September 2, 2019

Americans Feel Great About Real Estate

Fannie Mae’s Home Purchase Sentiment Index surged to a new high as consumers became more upbeat about buying and selling, mortgage rates, and their jobs. Five of the six components measured by the index rose month over month. “Consumer job confidence and favorable mortgage rate expectations lifted the HPSI to a new survey high in…

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Get in Touch

Contact Fernando Hernandez

Fernando Hernandez

22632 Golden Springs Drive Suite 233
Diamond Bar, California 91765
(562) 572-4648
NMLS# 258327

Send an Email