I’m Cherryrose Hernaez, a dedicated Mortgage Loan Officer with over two decades of experience in the finance industry. Since 2001, I’ve been committed to helping individuals and families navigate the often-complex mortgage process with clarity, confidence, and personal care.
As part of The Money Store—a trusted name in home financing for more than 50 years—I bring knowledge, transparency, and a results-driven approach to every transaction. Over the years, I’ve earned the nickname “The Loan Whisperer” for my ability to get deals done when others can’t, especially in challenging situations where buyers have struggled to secure approval elsewhere.
I pride myself on offering personalized service and tailored loan solutions that match each client’s unique needs. My process is built on speed, efficiency, and clear communication—qualities that not only help borrowers feel confident but also help Realtors win offers in today’s competitive market. Many of the agents I work with have been able to stand out thanks to the strength and timeliness of my loan approvals.
Customer satisfaction is my top priority. I’m here to guide you through every step of the mortgage journey, ensuring a smooth, stress-free, and transparent experience from application to closing.
Every home financing situation is unique. That’s why The Money Store offers a wide range of loan options, so we can help you choose the ones that are right for you. Here’s an overview of the types of home loan products we offer.
Planning to buy a home? Whether you’re an aspiring homeowner or a seasoned homebuyer, we offer numerous home purchase loans to help you achieve your goals. These include options for a wide range of property and occupancy types and down payment minimums as low as 10%, 3%, or even 0%.
Is it time for a new mortgage strategy for your home? With a mortgage refinance, you may be able to reduce your interest rate and monthly payment, eliminate mortgage insurance premiums, replace an adjustable rate with a fixed rate, convert home equity into cash, or obtain other benefits.
Ready to make your dream home a reality? With a construction loan, you can obtain financing to build the home you want. Our one-time-close construction financing even allows you to purchase the lot, construct your home, and finance the finished property, all with a single loan.
Want to upgrade, repair, or expand a home? Get the funds you need with one of our renovation loans. Renovation financing allows you to purchase and renovate a home with a single loan, or refinance and renovate a home you currently own.
Need cash for a large purchase, investment, or expense? Your home may be the answer. With home equity financing, you can take cash out of your home to spend on anything, including paying off high-interest debt, making home improvements, or covering college tuition.
Navigate your home financing journey from the palm of your hand.
Apply in just 10 minutes or less.
Enjoy less paperwork and quicker processing.
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