Crush Home Loans Crush Home Loans
  • Buy A Home
  • Refinance
  • Today’s Rates
  • Loan Options
    • 30 Year Fixed Mortgage
    • 15 Year Fixed Mortgage
    • Adjustable Rate Mortgage
    • FHA Loans
    • VA Loans
    • Jumbo Loans
    • Reverse Mortgage
  • Popular Tools
    • Pre-Approval Letter
    • Refinance Analysis
    • Mortgage Calculator
  • About
    • Upfront Home Loans
    • Our Team
    • Reviews
    • Contact Me
  • Apply
  • (877) 769-8345
(877) 769-8345 apply now
Upfront Home Loans

Upfront Home Loans offering personalized mortgage solutions, fast customized quotes, great rates & service with integrity.

general

  • Purchase
  • Refinance
  • Today’s Rates

Support

  • Upfront Home Loans
  • Contact Us
  • Privacy Policy

Contact Info

  • 1111 E Katella Ave., Suite 210
    Orange, CA 92867
  • info@upfronthomeloans.com
  • (877) 769-8345
Equal Housing Lender
  • PRIVACY POLICY
  • NMLS CONSUMER ACCESS

Copyright © 2025 | Upfront Home Loans | NMLS #71127 | Licensed In: CA & CO

Sergio Hernandez

102 subscribers

Providing educational content to help homeownership dreams become a reality. By educating on the basics of mortgages, home buying, and real estate investment, I hope to provide the foundation necessary for building wealth through real estate.

NMLS#108378 | DRE#01190068

Sergio Hernandez


Ever feel like buying a home in Orange feels out of reach? You're not alone. A lot of people are quietly stressing about how to make it happen… but the truth is, there is a way—you just need someone who gets it and knows how to guide you through it. If you’ve been sitting on the sidelines, let’s change that. Shoot me a Message and let’s chat (no pressure, just real talk). NMLS #108378, DRE# 01190068 #OrangeCaLiving #HomesInOrange #OrangeCountyLife #OrangeCaRealEstate

Ever feel like buying a home in Orange feels out of reach?

You're not alone. A lot of people are quietly stressing about how to make it happen… but the truth is, there is a way—you just need someone who gets it and knows how to guide you through it.

If you’ve been sitting on the sidelines, let’s change that.

Shoot me a Message and let’s chat (no pressure, just real talk).

NMLS #108378, DRE# 01190068

#OrangeCaLiving #HomesInOrange #OrangeCountyLife #OrangeCaRealEstate


9


0

YouTube Video VVV0MW1hTU1pZWJVMjVPSGZrWVVmTXhRLjNYWDM1ZzJTc3VJ



Recession = Housing Crash?


Sergio Hernandez


1.5K views


May 12, 2025 11:48 pm


We've all seen the ads promising easy home upgrades—but with sky-high prices and expensive lending terms, these loans can quickly become financial headaches. Is it smart financing or just clever marketing scams? Buyer Beware! Their target is definitely seniors! Share your experiences or thoughts below! Let's keep our community informed.👇 NMLS 108378 | DRE 01190068

We've all seen the ads promising easy home upgrades—but with sky-high prices and expensive lending terms, these loans can quickly become financial headaches. Is it smart financing or just clever marketing scams?

Buyer Beware! Their target is definitely seniors!

Share your experiences or thoughts below! Let's keep our community informed.👇

NMLS 108378 | DRE 01190068


0


0

YouTube Video VVV0MW1hTU1pZWJVMjVPSGZrWVVmTXhRLkhlTzdvajNBYlJr



homeowners, watch out! 👀 Are Pace or Hero loans worth it—or just another pricey trap?"


Sergio Hernandez


563 views


March 18, 2025 11:58 pm


Did you know you can negotiate your credit card interest rate just by making a simple phone call? 💰📞 Here’s what to do: ✅ Call your credit card company. ✅ Let them know you have offers from other companies. ✅ Ask: “What can you do for me?” ✅ Stay calm, courteous, and persistent—the right person may be willing to help! A lower interest rate could mean saving hundreds (or even thousands) and getting out of debt months—or years—sooner! ⏳💵 💬 Want a FREE guide on getting out of debt? DM me with “CREDIT CARD” and I’ll send it your way! 📩 NMLS 108378 |DRE#01190068 🔔 Don’t forget to LIKE, SUBSCRIBE, and hit the NOTIFICATION BELL for more money-saving tips! #DebtFree #CreditCardHacks #FinancialFreedom #MoneyTips #LowerInterestRates #PayOffDebt

Did you know you can negotiate your credit card interest rate just by making a simple phone call? 💰📞

Here’s what to do:
✅ Call your credit card company.
✅ Let them know you have offers from other companies.
✅ Ask: “What can you do for me?”
✅ Stay calm, courteous, and persistent—the right person may be willing to help!

A lower interest rate could mean saving hundreds (or even thousands) and getting out of debt months—or years—sooner! ⏳💵

💬 Want a FREE guide on getting out of debt? DM me with “CREDIT CARD” and I’ll send it your way! 📩

NMLS 108378 |DRE#01190068

🔔 Don’t forget to LIKE, SUBSCRIBE, and hit the NOTIFICATION BELL for more money-saving tips!

#DebtFree #CreditCardHacks #FinancialFreedom #MoneyTips #LowerInterestRates #PayOffDebt


11


0

YouTube Video VVV0MW1hTU1pZWJVMjVPSGZrWVVmTXhRLlJaUVdkOWpOWmlN



How to Negotiate a Lower Credit Card Interest Rate & Pay Off Debt Faster! #debtfree #creditcards


Sergio Hernandez


802 views


February 4, 2025 3:38 pm


Buying a home is exciting but can also be overwhelming. In this video, we explore three key steps to reduce the stress of home buying: Get a Financial Fitness Check: Understand your budget, get pre-approved, and work with a trusted mortgage professional to explore your financing options. Choose the Right Real Estate Agent: Find an agent who knows your market, understands your long-term goals, and has a proven track record of success in your area. Build a Solid Team: Ensure your mortgage pro and real estate agent communicate effectively to troubleshoot issues, negotiate repairs, and guide you smoothly through closing. Whether you’re buying in 3 months or 12, this video offers actionable tips to help you make informed decisions and reduce the stress of purchasing your dream home. 💡 Want more tips like this? ✅ Hit the like button to show your support. ✅ Subscribe to get notified when we post more helpful content. ✅ Leave your questions in the comments—we’re here to help! Let’s make home-buying easier for you! 🏡 #HomeBuyingTips #RealEstateAdvice #FirstTimeHomeBuyer #MortgageTips #StressFreeHomeBuying #CArealestate

Buying a home is exciting but can also be overwhelming. In this video, we explore three key steps to reduce the stress of home buying:

Get a Financial Fitness Check: Understand your budget, get pre-approved, and work with a trusted mortgage professional to explore your financing options.

Choose the Right Real Estate Agent: Find an agent who knows your market, understands your long-term goals, and has a proven track record of success in your area.

Build a Solid Team: Ensure your mortgage pro and real estate agent communicate effectively to troubleshoot issues, negotiate repairs, and guide you smoothly through closing.

Whether you’re buying in 3 months or 12, this video offers actionable tips to help you make informed decisions and reduce the stress of purchasing your dream home.

💡 Want more tips like this?
✅ Hit the like button to show your support.
✅ Subscribe to get notified when we post more helpful content.
✅ Leave your questions in the comments—we’re here to help!

Let’s make home-buying easier for you! 🏡

#HomeBuyingTips #RealEstateAdvice #FirstTimeHomeBuyer #MortgageTips #StressFreeHomeBuying #CArealestate


0


0

YouTube Video VVV0MW1hTU1pZWJVMjVPSGZrWVVmTXhRLlNrMzZFZVB1Vklj



How to Remove Stress From Home Buying


Sergio Hernandez


5 views


January 29, 2025 11:00 pm


Let me show you how to leverage AI and blockchain technology to unlock the equity in your home. This digital home equity line of credit (HELOC) is faster, smarter, and more efficient than anything you’ll find at a traditional bank! ✅ Fast funding: Receive your funds in as little as 5 days ✅ No appraisal required: Save time and money ✅ Real results: Clients are paying off high-interest debt, investing in new properties, and saving $800–$1,000/month! Traditional banks? They can take up to 60 days. With this tech-driven solution, you’ll have the funds you need faster than ever. 📌 Interested? Let's connect, and I’ll send you more information! NMLS 108378 | DRE 01190068 #HELOC #AIandBlockchain #HomeEquity #FinanceSimplified #SmartInvestments #monopolylifepodcast

Let me show you how to leverage AI and blockchain technology to unlock the equity in your home. This digital home equity line of credit (HELOC) is faster, smarter, and more efficient than anything you’ll find at a traditional bank!

✅ Fast funding: Receive your funds in as little as 5 days
✅ No appraisal required: Save time and money
✅ Real results: Clients are paying off high-interest debt, investing in new properties, and saving $800–$1,000/month!

Traditional banks? They can take up to 60 days. With this tech-driven solution, you’ll have the funds you need faster than ever.

📌 Interested? Let's connect, and I’ll send you more information!

NMLS 108378 | DRE 01190068

#HELOC #AIandBlockchain #HomeEquity #FinanceSimplified #SmartInvestments #monopolylifepodcast


1


2

YouTube Video VVV0MW1hTU1pZWJVMjVPSGZrWVVmTXhRLnN0WEJibGtLY2Fz



AI-Powered HELOC: Access Your Home Equity in 5 Days! #propertyinvestment #realestate #investing


Sergio Hernandez


532 views


January 29, 2025 7:03 pm


Buying a house soon? Follow these steps: 1️⃣ Get a Financial Fitness Check: Work with a mortgage pro to understand your budget, payments, and loan options. 2️⃣ Find the Right Agent: A great agent knows the market and will guide you to the perfect area within your budget. With the right team, homeownership is closer than you think! 🙌 NMLS 108378 | DRE 01190068 #HomeBuyingTips #FirstTimeBuyer #DreamHome #MortgagePro #RealEstateGuidance #monopolylifepodcast

Buying a house soon? Follow these steps:
1️⃣ Get a Financial Fitness Check: Work with a mortgage pro to understand your budget, payments, and loan options.
2️⃣ Find the Right Agent: A great agent knows the market and will guide you to the perfect area within your budget.

With the right team, homeownership is closer than you think! 🙌

NMLS 108378 | DRE 01190068

#HomeBuyingTips #FirstTimeBuyer #DreamHome #MortgagePro #RealEstateGuidance #monopolylifepodcast


13


0

YouTube Video VVV0MW1hTU1pZWJVMjVPSGZrWVVmTXhRLkxkR2xweTFWVWY4



STEPS TO BUYING A HOUSE FOR THE FIRST TIME! #realestate #downpayment


Sergio Hernandez


558 views


January 28, 2025 1:00 am


What Happens When Real Estate Prices Drop? If you’re worried about buying a home or property and seeing prices dip, here’s the truth: nothing drastic happens. You just keep making your monthly payments like usual. Real estate is a long-term game. 📈 💡 Here’s why you shouldn’t stress: ✅ Quality assets appreciate over time, even with short-term market dips. ✅ Temporary bumps are just part of the journey. ✅ The long-term value of real estate continues to build wealth. Don’t let fear hold you back from one of the smartest investments you can make. Tune in to learn why real estate remains one of the most reliable ways to build your future! 🏡 #RealEstateInvesting #SmartInvestments #WealthBuilding #LongTermGrowth #monopolylifepodcast

What Happens When Real Estate Prices Drop?

If you’re worried about buying a home or property and seeing prices dip, here’s the truth: nothing drastic happens. You just keep making your monthly payments like usual. Real estate is a long-term game. 📈

💡 Here’s why you shouldn’t stress:
✅ Quality assets appreciate over time, even with short-term market dips.
✅ Temporary bumps are just part of the journey.
✅ The long-term value of real estate continues to build wealth.

Don’t let fear hold you back from one of the smartest investments you can make. Tune in to learn why real estate remains one of the most reliable ways to build your future! 🏡

#RealEstateInvesting #SmartInvestments #WealthBuilding #LongTermGrowth #monopolylifepodcast


1


0

YouTube Video VVV0MW1hTU1pZWJVMjVPSGZrWVVmTXhRLkNsMnRCeFVDYXRB



What happens when Real Estate Prices Drop?


Sergio Hernandez


4 views


January 25, 2025 1:00 am


How flexibility can unlock your first home purchase: If you’re waiting for “the perfect time,” you might wait forever. Here are 3 ways to adjust your approach: 1️⃣ Be open to locations with potential for growth. 2️⃣ Prioritize must-haves over perfection. 3️⃣ Use higher rates to negotiate seller credits. Buying a home is about strategy, not just timing. Let’s make it happen! #RealEstateWisdom #HomeBuyingStrategy #ProfessionalAdvice #monopolylifepodcast

How flexibility can unlock your first home purchase:

If you’re waiting for “the perfect time,” you might wait forever. Here are 3 ways to adjust your approach:

1️⃣ Be open to locations with potential for growth.
2️⃣ Prioritize must-haves over perfection.
3️⃣ Use higher rates to negotiate seller credits.

Buying a home is about strategy, not just timing. Let’s make it happen!

#RealEstateWisdom #HomeBuyingStrategy #ProfessionalAdvice #monopolylifepodcast


8


1

YouTube Video VVV0MW1hTU1pZWJVMjVPSGZrWVVmTXhRLm1fSVlNdHBmQTg0



3 MISTAKES THAT KEEP PEOPLE FROM OWNING A HOME #realestate


Sergio Hernandez


589 views


January 24, 2025 1:00 am


💡 The Challenge: They didn’t have funds for down payment or closing costs.⁣ 💡 The Solution: 1️⃣ Got them preapproved and reviewed their income, credit, and financing options.⁣ 2️⃣ Collaborated with their real estate agent to negotiate a seller credit for closing costs.⁣ 3️⃣ Leveraged the VA loan program for 100% financing and zero percent down.⁣ ⁣ 🎉 The Result: They walked into their new home without spending a single dollar out of pocket!⁣ ⁣ Not every deal works this way, but with the right strategy and a creative team, homeownership is possible.⁣ ⁣ Got questions about buying a home? Drop them in the comments or reach out—I’m here to help!⁣ ⁣ #FirstHomeJourney #VAloans #HomeownershipGoals #CreativeSolutions #UpFrontHomeLoans #MonopolyLifePodcast #mortgageadvice

💡 The Challenge: They didn’t have funds for down payment or closing costs.⁣
💡 The Solution:
1️⃣ Got them preapproved and reviewed their income, credit, and financing options.⁣
2️⃣ Collaborated with their real estate agent to negotiate a seller credit for closing costs.⁣
3️⃣ Leveraged the VA loan program for 100% financing and zero percent down.⁣
⁣
🎉 The Result: They walked into their new home without spending a single dollar out of pocket!⁣
⁣
Not every deal works this way, but with the right strategy and a creative team, homeownership is possible.⁣
⁣
Got questions about buying a home? Drop them in the comments or reach out—I’m here to help!⁣
⁣
#FirstHomeJourney #VAloans #HomeownershipGoals #CreativeSolutions #UpFrontHomeLoans #MonopolyLifePodcast #mortgageadvice


1


0

YouTube Video VVV0MW1hTU1pZWJVMjVPSGZrWVVmTXhRLnNmclNiS1owdHdR



How My Client Bought Their First Home Without Spending a Dime!


Sergio Hernandez


49 views


January 21, 2025 1:00 am


Load More…


Subscribe

leadPops