O
Oscar H A.
Mission Viejo, CA
Michelle made the process between everybody extremely easy and straightforward. Very easy to work with and excellent communication. We would definitely recommend Michelle and her team.
November 2024
Michelle Hernandez
Loan Officer · NMLS #984558 · Essex Mortgage
Michelle Hernandez
Loan Officer · NMLS #984558 · Ocala, FL
4.88
16 verified reviews
SpecialtiesConventionalFHAPurchaseRefinance
About Michelle Hernandez
Michelle Hernandez is a Loan Officer at Essex Mortgage serving borrowers throughout Southern California and beyond. Known for her attention to detail and caring approach, Michelle guides clients through every step of the mortgage process.
From Trabuco Canyon and Mission Viejo to Long Beach and San Diego, Michelle has helped borrowers across a wide range of communities achieve their homeownership goals. Her clients consistently praise her professionalism and dedication.
Michelle is based in Ocala, Florida and is licensed in multiple states. She offers Conventional, FHA, purchase, and refinance home loans through Essex Mortgage.
16
Reviews
88%
5-Star
26
States
10+
Years Exp.
Areas Michelle Serves
Based in Ocala, FL, Michelle serves borrowers throughout the region and nationwide across approximately 26 states.
Recent borrowers have worked with Michelle from Mission Viejo, CA · Long Beach, CA · Chula Vista, CA · San Diego, CA · Costa Mesa, CA · Trabuco Canyon, CA · Lake Forest, CA and other locations across the country.
Not sure if Michelle covers your area? Call (714) 317-5337 →Rating Distribution
5 Star
88%
4 Star
13%
3 Star
0%
2 Star
0%
1 Star
0%
Experience.com4.88 / 5
Post-Closing Surveys4.88 / 5
Total Reviews16
Verified Borrower Reviews
S
Silviya K A.
Mission Viejo, CA
I had a great experience with Michelle. She was not only knowledgeable but also really took the time to understand our financial goals. Communication was excellent; I always felt informed.
November 2024
J
John I T.
Long Beach, CA
Michelle was outstanding. Professional, responsive, and made the entire process stress-free.
September 2024
M
Michael D B.
Chula Vista, CA
Great experience working with Michelle. She was knowledgeable and kept us informed throughout.
August 2024
O
Olga L.
San Diego, CA
Michelle was fantastic to work with. She made the entire process smooth and easy.
July 2024
J
Jacob M.
Costa Mesa, CA
Good experience overall. Michelle was helpful and responsive throughout the purchase process.
December 2025
See Why 88% of Borrowers Rate Michelle 5 Stars
Frequently Asked Questions
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Get personalized mortgage guidance from a loan officer rated 4.88 stars by 16 borrowers.