Ready For Your Dream Home? Your First Home? Your First Rental? Lower Rates?

Clear. Confident. Home Financing.

Jonny Mortgage Team
Jonny Mortgage Team Logo

Mortgage Professionals • BankerMax Mortgage

Jonatan Hernandez

Jonatan helps buyers, homeowners, and referral partners move through the mortgage process with more clarity and confidence. His approach is centered on clear communication, responsiveness, and dependable support.

Whether you're buying, refinancing, or exploring your options, the goal is simple: make the process feel straightforward, professional, and stress-free.

NMLS 2456454 Español

Meet the Jonny Mortgage Team

Modern guidance, bilingual support, and smart loan strategy across multiple scenarios.

Jonatan Hernandez

Mortgage Expert

Trusted, responsive, and client-focused. Jonatan is known for making the mortgage process feel clear, steady, and professional from start to finish.

NMLS 2456454 Español

Andrew Camacho

Mortgage Loan Officer

Strategic and modern in approach, Andrew helps borrowers explore smart solutions with clarity, speed, and a client-first mindset.

NMLS 2757501 Español

Monthly Payment Calculator

Instant estimate for principal & interest, plus optional taxes, insurance, and PMI if you include them. This is not a credit decision.

Loan details

Tip: Down payment can be like 5% or 35000. Leave optional fields blank to exclude them.

Estimated monthly payment
$—
Loan amount: —
Principal & Interest$—
Property Taxes$—
Insurance$—
PMI$—
HOA$—

Estimate only. Actual payment can include lender fees, mortgage insurance, and county/parcel tax differences. County tax % is a rough starting point — always verify.

How Much Do You Qualify For?

Answer a few quick questions to estimate a comfortable monthly payment and a likely qualification range.
Estimate for principal & interest; taxes/insurance optional. This is not a credit decision.

Step 1 of 6 Takes ~60 seconds

What are you looking to do?

Purchase estimates price + payment. Refinance skips down payment automatically.

Tip: If you’re not sure, choose “Purchase”.

Household income + debts

Use gross (before taxes). If variable income, use a conservative average.

Down payment

If you’re not sure, estimate using a percentage.

Refinance: Down payment doesn’t apply, so we’ll skip this step automatically.

Credit score estimate?

This helps choose a reasonable interest rate estimate (editable next step).

Loan details (estimate)

Set rate + term. County-based tax % can auto-fill a realistic estimate (you can override).

Your estimate

Ballpark ranges. For a precise number, send your info and we’ll confirm options.

Comfortable home price

$—

Comfortable payment: — /mo

Likely qualification range

$—

Max qualifying payment: — /mo

Important: This is an estimate only. Real approvals depend on credit, assets, property type, taxes/insurance, HOA, and lender guidelines.

Get your results + next steps

We’ll reach out to confirm details and give you a clear plan. No spam.

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By submitting, you agree to be contacted about your mortgage inquiry. This is not a credit decision.

Loan Programs

Financing options for real-world borrower scenarios

Whether you’re buying your first home, using ITIN documentation, investing, or qualifying with alternative income, BankerMax offers programs designed around how people actually buy today.

View All Programs

FHA

A strong option for many first-time buyers looking for a more accessible path into homeownership.

  • Popular low down payment option
  • Helpful for many entry-level buyers
  • Flexible compared to some conventional scenarios

Conventional

Great for qualified borrowers looking for competitive terms and flexible occupancy options.

  • Primary, second home, and investment scenarios
  • Strong fit for solid credit profiles
  • Can offer excellent long-term value

Earned Equity (ITIN)

Financing support for borrowers using ITIN documentation and non-traditional qualification paths.

  • Built for borrowers outside standard agency boxes
  • Guidance through documentation requirements
  • Great for underserved buyer scenarios

Down Payment Assistance

Programs that may help bridge the gap for buyers who qualify but need support with upfront funds.

  • Helpful for payment-to-close challenges
  • Great conversation for first-time buyers
  • Can improve accessibility to ownership

Bank Statement

Designed for self-employed borrowers whose real income may not show clearly on standard tax returns.

  • Strong fit for business owners and entrepreneurs
  • Alternative income qualification approach
  • Useful when conventional documentation falls short

P&L

A useful option for qualifying certain self-employed borrowers using business performance documentation.

  • Alternative documentation for qualifying income
  • Helpful for business-owner scenarios
  • Supports more flexible underwriting paths

DSCR Investor

Investor-focused financing designed around rental property performance and cash flow potential.

  • Strong for rental and portfolio growth strategies
  • Useful for investor-focused qualification
  • Ideal for certain property cash-flow scenarios

Mobile Home

Financing solutions for manufactured and mobile home scenarios with guidance tailored to the property type.

  • Supports specialized housing situations
  • Helpful when standard site-built options do not apply
  • Clear support through unique property guidelines

Non-QM Solutions

Flexible financing options for borrowers with unique income, credit, or documentation scenarios that may not fit traditional agency guidelines.

  • Alternative qualification paths
  • Helpful for layered or non-traditional scenarios
  • Designed for borrowers outside standard guidelines
Quick Pre-Qualification

See If You Qualify

Quick, simple, and no pressure. Tell us about your scenario and we’ll help explore the loan programs that may fit best.

Takes less than 60 seconds
No obligation
Personalized guidance

What to expect

  • Share a few details about your goal, income, and credit profile.
  • A loan officer reviews your scenario and points you toward the strongest program options.
  • No hard credit pull and no full application required to start the conversation.
Program selected
Not selected yet

Tell us about your scenario

Fill this out and we’ll follow up with clear next steps.

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No hard credit pull. No obligation. Just a quick conversation about your options.
By submitting, you agree to be contacted regarding your mortgage inquiry. This is not a commitment to lend.

Contact Jonatan

Choose what’s easiest — send an email or book a call.

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