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An Experienced Mortgage Professional Helping Buyers and Investors Secure Tailored Financing

Nice to meet you! My name is

Benjamin Hernandez

Loan Officer at WestPac Lending

Loan Officer
NMLS#: 1533317

Your mortgage journey begins here. Getting started on the purchase or refinance of your home is just a few minutes away. No commitment needed.

Expert Loan Advice At Your Fingertips

Benjamin Hernandez is a Mortgage Loan Officer at WestPac Lending with a strong foundation in business, finance, and client service. A graduate of the Marshall School of Business at the University of Southern California, Benjamin brings a thoughtful, strategic approach to mortgage lending and a genuine commitment to helping clients make confident financial decisions.

Throughout his career, he has assisted countless families in achieving homeownership and has helped many entrepreneurs secure alternative financing solutions for both personal residences and investment properties. His experience spans a wide range of borrower profiles, allowing him to serve first-time homebuyers and seasoned real estate investors with the same level of care, professionalism, and attention to detail.

Benjamin is known for delivering a high-touch experience rooted in responsiveness, clarity, and personalized guidance. He understands that every client’s goals are unique, and he takes pride in identifying financing solutions that align with both immediate needs and long-term plans. Whether guiding a family through the purchase of their first home or helping an investor structure financing for a growing portfolio, he approaches each transaction with precision and a service-first mindset.

He resides in Anaheim Hills with his wife and their three children.

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Loan Programs I Specialize In

Fixed Rate Mortgage

Interest Rate and payments remain the same for the entire term of the loan.

Bank Statement Program

Leverage your bank statements to secure a favorable home loan.

DSCR Home Loan

Focus on the debt-service coverage ratio to get the right home loan.

FHA Loan

An FHA loan provides a government-insured loan with flexible loan options.

VA Loan

VA Loans offer flexible options as either fixed-rate or ARM mortgages.

VA Loan Refinance

There are two main ways to refinance your VA loan.

Reverse Mortgage

Convert a portion of your home equity into cash to secure your retirement.

Refinance

Mortgage refinancing may lower your monthly payments.

Cash-Out Refinance

Access home equity for various purposes.

Jumbo Loan

Jumbo loans offer maximum flexibility for home financing for larger loans.

Investment Property

Mortgage loan programs for vacation and investment properties.

Bridge Home Loan

Secure the transition between selling your current home and buying a new one.

Fix & Flip Home Loan

Get the financial support you need for your home renovation projects.

Rehab Loan

Roll the costs of the renovation into your loan.

Construction Home Loan

Build your dream home from the ground up with tailored financing.

Seller-Paid Buydown

Reduce your mortgage payments with the assistance of the seller.

HELOC Home Loan

Unlock the value in your home with flexible home equity lines of credit.

First Time Home Buyer

Popular loan programs for first time home buyers.

Low Down Payment Options

Explore options that may make you a home owner with a low down payment.

USDA Loan

Purchase a home with no money down in certain rural and suburban areas.

Private Money Loan

When traditional financing slows a deal down, private money can keep it moving.

Blog Posts

Cheerful couple celebrating in their new home, surrounded by unpacked boxes and smiles.

Refinance Loan Options for Real Estate Investors: Strategies for Building Wealth

Finding ways to increase returns and free up capital is a constant challenge for real…

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Charming red house with a large yard and a white bridge, set against a serene landscape.

Conventional vs. FHA Loans: Which Loan Type Fits Orange County Move-Up Buyers?

Are you ready to move up to your next home in Orange County, but not…

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A happy couple outdoors holds a miniature house model, smiling and celebrating home ownership.

Refinance Loans: Options for Homeowners with Non-Traditional Income

Refinancing can be smart, but if you have non-traditional income sources, the process may seem…

Read more

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