Home loans that close, explained in plain English or Spanish.
Rosalio Hernandez, NMLS 251093. Purchase, refinance and first-time buyer loans across Santa Clara County, with pre-approvals that hold up and a lender who actually picks up the phone.
¿Comprar o refinanciar?
Todo el proceso en tu idioma. Empieza con una llamada corta, sin compromiso.
Ver el sitio en español →Follow for loan tips and market updates
Home loans for every stage
Each one has its own page with the process, the pitfalls and the questions people actually ask. Pick the one that fits.
Purchase Loans
Buying a home in San Jose or anywhere in the Bay Area. Pre-approval, program match, and a clean close.
Learn more →Refinance
Lower the rate, drop mortgage insurance, pull cash out, or shorten the term. Run the numbers first.
Learn more →First-Time Homebuyers
Low down payment options, assistance programs, and a step-by-step plan from day one.
Learn more →Loan Programs
Conventional, FHA, VA, jumbo and more. Which one fits depends on your file, not a sales pitch.
Learn more →Realtor Partners
Fast pre-approvals, weekend answers, and program updates for agents who want deals that close.
Learn more →Mortgage calculators
Payment, affordability, refinance break-even, debt-to-income and extra payment tools built for Bay Area numbers.
Run your numbers →Straight answers, real pre-approvals, no voicemail black hole.
In a market where listing agents call the lender before they accept an offer, the lender matters as much as the price.
- Pre-approvals reviewed like an underwriter would. The number on the letter is one you can close at.
- Bilingual from start to signing. Not a translated brochure, the actual lender explaining the actual documents.
- Honest about fit. If a refinance does not pay for itself or a program is wrong for you, Rosalio says so.
- Reachable. Evenings and weekends during an active purchase, because that is when offers happen.
Four steps from "just looking" to keys
Short call
Income, savings, credit, goals. Ten to fifteen minutes, no pitch.
Apply and upload
Secure online application and document upload. One credit pull.
Real pre-approval
Reviewed like an underwriter would. Letters updated to match each offer.
Lock and close
Rate lock, appraisal, underwriting, signing. Weekly updates all the way.
What would the payment actually be?
Taxes, insurance and mortgage insurance included, because principal and interest alone is not the real number. More tools on the calculators page.
- Principal & interest
- Taxes
- Insurance
- HOA
- Mortgage insurance (est.)
- Total interest over the loan
Estimates only. Taxes, insurance, HOA and mortgage insurance vary by property and program. Get real numbers from Rosalio before you make an offer.
Based in San Jose, lending across the Bay Area
Rosalio works with buyers and homeowners in San Jose, Santa Clara, Sunnyvale, Milpitas, Campbell, Los Gatos, Morgan Hill, Gilroy, Fremont, Hayward and the rest of the Bay Area. Licensed in California. Everything from application to signing can be done remotely, so distance is never the problem.
Realtor? See how Rosalio supports agents on the realtor partners page.
Things people ask before they call
Who does home loans in San Jose, CA?
Rosalio Hernandez (NMLS 251093) is a bilingual mortgage loan originator based in San Jose who handles purchase loans, refinances, first-time buyer programs and realtor partnerships across Santa Clara County and the Bay Area.
How much does it cost to get pre-approved?
Nothing. Pre-approval with Rosalio is free and takes a short call plus about 15 minutes on the secure online application. You will know your real price range in about a day.
Do you speak Spanish?
Yes. Rosalio is bilingual and walks Spanish-speaking clients through every step in Spanish, including disclosures and closing documents. There is a full Spanish version of this site at /es/.
Can I use the calculators to decide if I should refinance?
The refinance calculator shows your break-even month: how long it takes the monthly savings to pay back the closing costs. If you will keep the home well past that month, a refinance is worth a real conversation.
What areas do you serve?
San Jose, Santa Clara, Sunnyvale, Milpitas, Campbell, Los Gatos, Morgan Hill, Gilroy, Fremont and the greater Bay Area. Licensed in California; the whole process works remotely.
How do I reach Rosalio?
Book a call, apply online, or use the contact form. Replies come from Rosalio directly, usually the same day.
Ready to see your real numbers?
Free pre-approval, no obligation, in English or Spanish. Pick whichever is easier.