David Hernandez

Consumer Direct Loan Officer, NMLS#1702765

916-206-6960

Bio

David Hernandez brings over eight years of experience in the mortgage industry, with a strong focus on client-first, needs-based consulting. He specializes in purchase transactions and is highly skilled at coordinating and managing all partners throughout the homebuying process to ensure a smooth, efficient experience. Fully bilingual, David is passionate about helping a diverse range of clients navigate their financing options with confidence. Outside of work, he’s an amateur chef, avid vinyl collector, and lifelong basketball enthusiast.

NMLS#

1702765

864 Massachusetts Ave,

Arlington,

MA 02476

David.Hernandez@leaderbank.com

916-206-6960

Explore the Loan Process

Learn

Learn all you can about the loan process and ask lots of questions.

Apply for Loan

Complete, review, and submit your application. This will set the process in motion.

Connect with a Loan Officer

Your loan officer will reach out to you and review your application with you.

Credit Check & Prequalification

We will assess your credit, income, and assets to quickly determine what loan(s) you qualify for.

Documentation

Paperwork is still a big part of the loan process. We will email you forms to sign and a checklist of documents we'll need.

Rate Lock & Appraisal

Once we've discussed the loan amount, the type of loan, and the rate that's best for you, it's time to lock in your rate and order your appraisal.

Underwriting & Approval

Our underwriting team will review and issue a decision detailing any conditions necessary for final loan approval.

Clear to Close

Once we have cleared necessary conditions our underwriting and closing team will make final preparations to close.

Closing

Loan documents are delivered to the closing attorney. The attorney will contact you to arrange a signing.

Funding

Once the signed documents are returned and reviewed, the closing attorney will request a wire transfer of the loan funds.