Our Process
What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Client Testimonials
Why we should work together
About Lillian
Lillian Hernandez is a seasoned Mortgage Sales Manager and originator. Lillian has invested over 20 years in the banking and mortgage industry helping customers achieve their dream of homeownership and providing financial education to consumers in need of understanding the home buying process.
She started her housing, marketing, and home financing career as the housing coordinator and credit counselor at Isles, Inc. Lillian then became a Community Redevelopment Act Loan Officer at Wachovia Bank & then Fleet Bank where she was the top originator of CRA loans. In 2003, she joined Wells Fargo Bank, NA and opened the first Trenton-based Mortgage Company for Wells Fargo Home Mortgage. There, she originated affordable home loans for most of the new construction and scattered site developments funded by NJHMFA and the City of Trenton, which now amounts to over 700 new homeownership units. In 2013, Lillian joined M&T Bank where she directed the low to moderate-income outreach and loan origination team.
As an experienced Loan Consultant, Lillian has the knowledge and expertise to help you explore the many creative financing options available and ultimately make the right choice for you and your family.
She is committed to providing her customers and clients with an experience that will exceed their expectations.
Lillian’s biggest pride is her two children, Nicholas and Alexa. Both are artists. Nicholas is a graduate of Montclair State University and is a Broadway Actor. Alexa is a graduate of The University of the Arts and is currently working for the Philadelphia Wonder Spaces Museum.
She has won many awards and achievements, including President’s and Chairman’s Club Winning for M&T Bank, the 2012 Mary J. Codey Award for Excellence in Community Outreach, the 2010 NJ Housing Champion Award, and the Top Bond Lending Partner to NJ Housing & Mortgage Finance Agency from 2003 to 2011.
Interested in working with Lillian? Reach out to her today!
NC LIC# I-209498 | NJ | PA LIC# 95975 | NY
Mortgage Education Videos
Calculators
Calculate your payment
Crunch your own numbers with our mortgage calculators. Run as many different scenarios as you’d like to see how much home you can afford.
Use this mortgage loan calculator to generate a mortgage estimate. Press the "Calculate" button to find out.
Use this mortgage loan calculator to generate a savings estimate. Press the "Calculate" button to find out.
Contact Lillian
Thank you for the great job you did for us throughout the mortgage loan process. My wife and I are very grateful, and we will not hesitate to recommend you to anyone who needs a mortgage.
After being with several loan officers who couldn’t approve me for the loan, I was about to lose the contract, when God sent me to you. You made the impossible become possible.
Thanks to your knowledge, your professionalism and dedication to your job, I now own a 3-family home.
Thanks again Lillian, it was a pleasure to work with you.