About Us

Easy Mortgage is dedicated to helping all our clients find the best rates and guiding you throughout the entirety of your financing journey. We help each client reap the rewards of finding the perfect lending solution. Easy Mortgage offers a vast network of options paired with local experience and educated guides to match you with the best loan rate and term for your goals and budget. We are thrilled to work along side you every step of the way and are always will to address any questions or concerns you might have.

Our Team

fernando cruz

fernando cruz

President of Easy Mortgage


Fernando Cruz is an experienced executive with more than 24 years of experience in the financial industry. He has worked for various banks in Puerto Rico, such as Scotiabank de Puerto Rico, among others, holding leadership positions in the Mortgage Production and Mortgage Servicing Divisions.

Mr. Cruz holds a BSBA in Finance from the University of Puerto Rico, Mayaguez Campus. Also, Mr. Cruz is a Licensed Real Estate Broker and Licensed Mortgage Loan Officer in Puerto Rico, and member of the Board of the Mortgage Bankers School of Puerto Rico. (MBS)

Miguel Hernandez

Miguel Hernandez

Mr. Hernandez is responsible for managing the overall financial performance and strategic direction of PMI Holdings, an entity engaged in various lines of business such as Lending, Real Estate, Property Management and Insurance. Prior to this role, he was Vice President of Scotiabank International where he was accountable for providing direction to the Retail Lending Unit in charge of Mortgages, Lines of Credit, Small Business and Personal Loans for 27 countries in the Caribbean, Central, and South America regions.

Mr. Hernandez holds a master’s degree in Finance from Webster University in St. Louis, Missouri, and a Bachelor’s Degree in Finance from the University of Central Florida. He has received multiple recognitions from associations and the media including: Banker of the Year and Youngest Entrepreneur of the Year, Rookie of the Year and Franchisee of the Year. He has held leadership positions in several Mortgage and Commercial Associations in the United States, Puerto Rico, and Canada. Mr. Hernandez is also a Certified Realtor and Accredited / Licensed Mortgage Professional in Puerto Rico, USA and Canada.


Whether you are buying or refinancing, we’ll find your best fit mortgage with the lowest rates, and make your home loan experience hassle-free with our quick close times and personalized customer care that exceeds your expectations.