J. Horacio Herrera is a seasoned mortgage lending advisor with more than 25 years of experience supporting homebuyers, homeowners, and real estate partners throughout San Diego County, with a strong focus on the South Bay communities of Chula Vista, Bonita, Coronado, and Imperial Beach. His background in civil engineering gives him a unique technical and analytical perspective, allowing him to break down complex loan scenarios and provide clients with clear, well-structured options.
Horacio is recognized for his transparency, responsiveness, and dedication to borrower education. He leverages modern digital tools to streamline communication and ensure a smooth, efficient lending process for both clients and agents. His work is grounded in trust, clarity, and long-term relationship building.
Outside of his professional role, Horacio enjoys music, scuba diving, hiking and exploring new places on his motorcycle—always seeking balance, curiosity, and connection.
I want to earn your business for life. You can also count on me to help your family and friends whenever they need a mortgage.
I know that you want a great rate when you purchase or refinance a home! Our company offers some of the best rates in the industry.
Getting a mortgage requires a lot of communication. Our team will remain in constant contact with you throughout the process.
I know that time is of the essence whenever you’re buying or refinancing a home. I am committed to a quick and efficient closing.
