Turning Homeownership Dreams into Reality, One Loan at a Time.
Whether you're buying your first home, growing a portfolio as an investor or developer, or PCSing into San Diego on military orders — I'm here from your very first question through closing day.
Hi, I'mAnnette H.
I've bought, sold, refinanced, pulled cash out, done a HELOC, and worked DSCR loans myself. I'm not just selling these products — I've used them personally and felt the same "what ifs" you might be feeling right now. Whether you're a first-time buyer, a business owner, investor, or developer, or you're PCSing into San Diego and using your VA benefits for the first, second, or third time — every client is treated like a friend, from your first question, through closing, and past your first year of homeownership. I stick around to answer whatever comes up.
Learn My StoryWork With Me
Three ways I get people to closing
Still researching, or ready to move? First-time buyers, business owners, investors, developers, and veterans making a PCS move all start in the same place — right here.
Home Purchase
Conventional, FHA, VA, jumbo, and non-QM options built for first-time buyers, self-employed borrowers, and veterans PCSing into San Diego.
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Smart Refinancing
Rate-and-term, cash-out, or debt consolidation refis, run against your actual goals — not just "rates dropped, you should call."
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HELOCs & Equity
Turn the equity you've built into a renovation, a second property, or breathing room — structured to support your finances.
Learn MoreTurning Homeownership Dreams
into Reality, One Loan at a Time.
Annette Hernandez
Founder, Mortgage Chica · San Diego, CA
Our Work
Real clients. Real results.
A few of 76 five-star reviews, straight from Annette's verified Zillow profile.
★★★★★
San Diego Purchase
Annette stayed flexible when their plans changed mid-process and made sure every question got answered — they closed with a lower rate than expected.
— Alma M., San Diego, CA · closed Sep 2022
★★★★★
Chula Vista Purchase
Annette broke down every step of a first VA purchase and kept things moving — closing on schedule with fees right where they expected.
— Krista T., Chula Vista, CA · closed Feb 2022
★★★★★
Chula Vista Purchase
After feeling like just another commission check everywhere else, this buyer said Annette actually cared — and closed with a lower rate than expected.
— Samuel U., Chula Vista, CA · closed Oct 2021
★★★★★
Jamul Purchase
A first-time VA buyer with a low credit score, guided through every challenge without ever feeling out of their depth — lower rate and lower fees than expected.
— ndlr343, Jamul, CA
★★★★★
Lemon Grove Purchase
First-time buyers with a long list of questions got patient answers to every one, plus round-the-clock support from Annette's team — closing with a lower rate and lower fees than expected.
— Justin R., Lemon Grove, CA · closed Sep 2021
★★★★★
Chula Vista Purchase
Returning to the market after a few years away, this buyer landed a rate two other well-known lenders couldn't match — without paying points.
— Verified Buyer, Chula Vista, CA · closed Apr 2021
★★★★★
San Diego Purchase
Called the best loan officer around — Annette double-checked both partners' files for pre-approval and stayed hands-on through the entire home search, closing with a lower rate despite a low credit score.
— Yesenia E., San Diego, CA · closed May 2021
★★★★★
Chula Vista Refinance
A repeat client on her second refinance with Annette, praising fast responses and a smooth, stress-free process from start to finish.
— Sandra S., Chula Vista, CA · closed Feb 2021
★★★★★
San Diego Purchase
A VA purchase where the team answered every question all the way through closing escrow — done on time, with a lower rate and fees right as expected.
— Mark R., San Diego, CA · closed Oct 2020
Reviews shown are lightly condensed from Annette's verified Zillow lender profile. Swipe or use the arrows to see all 9.
Ready when you are.
Still comparing options or ready to move forward — either way, let's look at your file together from day one.
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Tell me what happened, and what you need.
I personally review every submission — no call center, no runaround.
I'll personally follow up within one business day.