Founder, Authentic Partners / Associate Broker / Asset Analyst
Built on family. Backed by the numbers.
Christian is a founder of HGRC Inc., doing business as Authentic Partners, and built it the way he was raised: alongside family, friends and trusted colleagues. Raised in a family mortgage business and ranked among the top 1% of loan officers nationwide for nearly a decade, he pairs complex-loan expertise with an analyst's eye for how every property performs.
FounderHGRC Inc. dba Authentic Partners
The founder's story
Christian grew up in a family mortgage business, where every client was treated like a neighbor. When he and fellow founder Cubie Hernandez established HGRC Inc., doing business as Authentic Partners, they built the team the same way: with family, friends and colleagues they trust, each bringing a specialty to the table.
Authentic Partners grew from the Hernandez family's roots in lending and real estate, and it still runs on the same values: honesty, hard work and service.
The partners include longtime friends and trusted colleagues, from agents and managers to analysts, who share the same standards.
Buying, selling, leasing, property management and financial analysis, with trusted lending partners, under one roof.
Work with one partner and you get the experience of the entire team.
Loans with Christian
Pick the path that fits your plan. Christian reviews every application personally, from pre-approval to closing.
Choose a time and talk through your goals, timeline and numbers with Christian, with no pressure.
Get pre-approved before you start touring homes.
Open a line now and draw only when the right opportunity appears.
Loan programs through Mares Mortgage
Not a commitment to lend. All loans are subject to credit approval, underwriting and property eligibility. Rates, terms and programs are subject to change.
For homeowners
A home equity line of credit can stay open and unused until the right moment: a down payment on a rental, a property priced below market, an ADU or a new business.
Christian sets up the line in advance, so the funds are ready when you need them.
Patience is key. But preparation is made by establishing resources in advance.
The best opportunities rarely arrive on schedule. You never have to force a deal.
Set up your resources before you need them, not in the middle of the opportunity.
Ready capital is the best way to be prepared. Sellers favor buyers who can move.
A HELOC is secured by your home. Interest is generally charged only on the amount you draw, and some lines carry annual or inactivity fees. Rates, terms and eligibility vary; review the details with a licensed loan officer before you apply.
Asset management & analysis
As an analyst and a founder of Authentic Partners, Christian looks at real estate the way an owner does: as an asset that has to perform. He and the team help owners and investors see exactly how a property performs before they buy, refinance, lease or sell, and then manage it to protect that return.
Income, expenses, cap rate and cash-on-cash return broken down so you know exactly how a property is performing today.
A grounded estimate of what a property is worth, built from local sales, rental comps and current market conditions.
A review of your current loan, refinance scenarios and how financing choices affect your long-term returns.
Leasing, careful tenant screening, maintenance and owner reporting through Authentic Partners, so your property is run like the investment it is.
About Christian
Christian is a founder of HGRC Inc., doing business as Authentic Partners, and a Senior Loan Originator and Associate Broker at Mares Mortgage. Ranked among the top 1% of loan officers nationwide for nearly a decade, he combines hands-on industry experience with a client-first approach, tailoring every strategy to the client's goals.
Recognized among the country's top 1% of loan officers for nearly a decade.
Non-warrantable condos, unique properties and nuanced finances that other lenders may decline.
One client went from underwriting approval to clear to close in two days.
Works with top agents, brokers and financial professionals across Southern California.
Call or text (949) 525-0570 or email christian@maresmortgage.com
