Our People

Meet our Southern California Loan Officers

We're a growing team of experienced mortgage professionals dedicated to making the home loan process fast, simple, and stress-free for every client in Southern California.

Ricardo Hernandez

Founder & Senior Loan Officer · NMLS #248859

Ricardo founded Logical Home Lending with a simple mission: make the mortgage process transparent, fast, and genuinely helpful for every family he serves. With nearly three decades of experience in residential lending across Southern California, he has helped thousands of homebuyers and refinancers navigate Conventional, FHA, VA, and Non QM loans. Ricardo is known for his creative problem-solving, his commitment to educating clients, and his ability to close even the most complex loans on time. He believes every client deserves a loan officer who answers the phone, explains the details, and fights for the best possible terms.

310-283-5410 Email Work With Ricardo

Jason Smith

Broker Associate · NMLS #353360 · DRE #01300054

Jason brings deep expertise in both real estate and mortgage lending, holding both an NMLS license and a California real estate broker license. His dual perspective gives clients a unique advantage — he understands the full home-buying journey from contract to close. Jason specializes in working with first-time buyers, investors, and clients with unique financial situations who need a lender that thinks outside the box. He is committed to clear communication, timely updates, and finding loan structures that align with each client's long-term goals.

805.404.2540 Email Work With Jason

Mike Bonderson

Broker Associate · NMLS #333301

Mike has built his career on relationships and results. With years of experience in mortgage origination throughout Southern California, he excels at guiding clients through purchase and refinance transactions with calm, clear advice. Mike takes pride in breaking down complex loan programs into simple terms so his clients can make confident decisions. Whether it is a first home, a move-up purchase, or a strategic refinance, Mike is dedicated to delivering competitive rates and a smooth, stress-free experience from application to funding.

805-404-1941 Email Work With Mike

We're Growing — Join Our Team

We're always interested in connecting with experienced, ethical loan officers and mortgage professionals who share our commitment to exceptional client service.

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