Close With Ciro
Your trusted mortgage partner helping New Jersey families find their way home
Families Helped
Loans Funded
Years Experience
Client Rating
— ABOUT
Meet Ciro Hernandez
With over 20 years of experience in the mortgage industry, Ciro Hernandez has helped hundreds of New Jersey families achieve their dream of homeownership. As the founder of his team at Rize Mortgage, Ciro brings a personalized approach to every client.
Specializing in FHA, VA, Conventional, and Non-QM lending, Ciro has the expertise to find the right loan program for any situation. Bilingual in English and Spanish, he ensures every client feels understood and supported throughout their journey.
“Every family deserves a clear path to homeownership. I’m here to make that happen.”
— LOAN PROGRAMS
Find Your Perfect Loan
From first-time buyers to seasoned investors, we have a program for you.
FHA Loans
Low down payment starting at 3.5%. Flexible credit requirements.
Conventional
Competitive rates with PMI removal at 80% LTV.
VA Loans
Zero down payment, no PMI for eligible veterans.
DSCR / Investor
Qualify on property cash flow, not personal income.
Bank Statement
Use deposits to prove income. No tax returns needed.
ITIN Loans
Home financing without a Social Security number.
Not sure which program?
Let us help you find the right fit.
— PROCESS
Your Path to Homeownership
Four simple steps from application to your new front door.
Pre-Approval
Get your numbers ready. We review your finances and lock in what you qualify for.
Home Search
Find your dream home. Shop with confidence knowing exactly what you can afford.
Processing
We handle the paperwork. Sit back while we manage underwriting and approvals.
Closing
Get the keys to your new home. We make closing day smooth and stress-free.
Pre-Approval
Get your numbers ready. We review your finances and lock in what you qualify for.
Home Search
Find your dream home. Shop with confidence knowing exactly what you can afford.
Processing
We handle the paperwork. Sit back while we manage underwriting and approvals.
Closing
Get the keys to your new home. We make closing day smooth and stress-free.
— CALCULATOR
Estimate Your Monthly Payment
Adjust the sliders to see how different scenarios affect your monthly mortgage payment.
Estimated Monthly Payment
$3,467Estimates only. Contact Ciro for your exact numbers.
— TESTIMONIALS
What Our Clients Say
Real stories from families we’ve helped across New Jersey
“Ciro made our first home purchase so easy. He explained every step in both English and Spanish, and found us an incredible rate we didn't think was possible. Our family finally has the home we dreamed of.”
Maria & Carlos G.
FHA Purchase · Mountainside, NJ
— AREAS WE SERVE
Licensed Across Four States
New Jersey
Our home base in Mountainside puts us at the heart of New Jersey's most desirable suburban communities. From Union County to Essex and Morris, we know these neighborhoods inside and out.
- Suburban communities with top-rated schools
- Top-ranked school districts statewide
- Easy NYC commuter access via NJ Transit
- Diverse, family-friendly neighborhoods
— FAQ
Frequently Asked Questions
Let’s Talk
Rize Mortgage · NMLS #1604663