Meet Your Loan Officer
Ciro Hernandez
Loan Officer and Founder at Rize Mortgage with over a decade of experience helping families navigate the path to homeownership. Based in Mountainside, New Jersey, Ciro has funded more than $500 million in loans and guided 400+ families to closing day.
Fluent in English and Spanish, Ciro brings deep product knowledge, creative problem-solving, and a client-first mindset to every transaction. Whether you are a first-time buyer, a self-employed entrepreneur, a real estate investor, or an ITIN borrower, he will find the right loan for your situation -- and make sure you understand every step along the way.
Funded
Experience
Rating
NMLS #581415
5.0
Client Rating
Why Choose Ciro
What Sets Me Apart
Client-First Approach
Every decision I make centers on what is best for the family I am helping. Your goals drive our strategy.
Honest Transparency
No hidden fees, no last-minute surprises. I walk you through every number so you close with confidence.
Bilingual Service
Fluent in English and Spanish, I serve our diverse community without language barriers getting in the way.
Creative Solutions
FHA, DSCR, bank statement, non-QM -- I find the right path even when traditional lending falls short.
Always Available
Questions do not wait for business hours, and neither do I. Reach me evenings, weekends, whenever you need me.
Trusted Results
400+ families helped, $500M+ funded, and a perfect 5.0 client rating built on real outcomes.
Personalized Advice
Tailored Guidance for Your Situation
Select your profile to see how Ciro can help you specifically.
First-Time Buyer Guidance
Down payment as low as 3% with conventional loans or 3.5% with FHA programs
Free pre-approval so you know your exact buying power before you start shopping
Access to New Jersey, Florida, Pennsylvania, and South Carolina down payment assistance programs
Step-by-step guidance in English or Spanish from application to closing day
Journey
Career Milestones
Entered the Mortgage Industry
Began his career in residential lending, learning the fundamentals of loan origination, compliance, and client relationship management.
Bilingual Lending Specialist
Leveraged his fluency in English and Spanish to become a go-to resource for the growing Hispanic community seeking homeownership.
Senior Loan Officer
Earned recognition for consistently high production and client satisfaction, specializing in FHA, VA, and conventional programs across multiple states.
Joined Rize Mortgage
Partnered with Rize Mortgage to access a broader product suite including DSCR, bank statement, and non-QM loans for underserved borrowers.
Founded Close With Ciro
Launched the Close With Ciro brand, building a personal practice rooted in transparency, bilingual service, and creative lending solutions.
Ready to Start Your Mortgage Journey?
Let's find the perfect loan for your situation. Free consultation, no obligation -- just honest guidance from someone who cares about your goals.