Joel Hernandez - TIME Lending

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1800 Thibodo Rd Ste 310-339
Vista, CA 92081

TIME Lending is a distinguished mortgage platform that combines the strengths of both a mortgage banker and broker, collaborating with over 50 of the nation's leading lenders. Their mission is to provide a comprehensive selection of loan options and programs that exceed industry standards, catering to a diverse clientele from first-time homebuyers to seasoned investors.

With a commitment to delivering competitive rates, exceptional service, and a streamlined loan process, TIME Lending aims to enhance the mortgage experience. They focus on uniting various mortgage resources into a single, robust platform, ensuring clients receive the highest quality service throughout their lending journey.

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5.09 reviews
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Charo Q.
2/1/2023

Highly recommended! He was referred to us by our real estate agent. I remember our first meeting in his office, me and husband felt special seeing our names on his welcome sign board. Joel is...

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Gaby S.
1/26/2023

We are very glad to have been able to work with Joel and his assistant Rosa. They were great at communicating with us and working with our crazy schedule. Joel and Rosa are very knowledgeable in...

Sergio P.
11/18/2023

Thank you Joel for working with us to get our home! he was referred by a good friend and said "He's a miracle worker". Joel helped me get all the paperwork in order and when the time came to...

Jesus B.
6/16/2023

There are a lot of lenders who say they will get you the best rate in town, but Joel really lives up to it. Joel will not only secure the best rates available, but he will also provide you with...

Karina R.
3/9/2023

Working with Joel has been such a great experience. We worked with two lenders on previous home searches and Joel was by far the BEST! He made the process easy for us and so much more enjoyable....

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