Custom Mortgage & Real Estate
CMRE is a nationwide fintech mortgage lender offering 123+ loan programs across all 50 states. We combine decades of mortgage industry expertise with AI-powered technology to deliver faster approvals, better rates, and a seamless borrower experience.
Leadership Team
Miguel Aguayo
President • NMLS #1556995
With over 20 years of hands-on experience spanning finance, mortgage origination, and real estate investment, Miguel Aguayo is the strategic architect behind CMRE's growth and market positioning. His deep-rooted expertise covers residential and commercial lending, portfolio management, and capital markets, giving CMRE a competitive edge in an ever-evolving industry.
Throughout his career, Miguel has closed hundreds of millions in loan volume, structured complex financing deals, and built lasting relationships with a network of top-tier wholesale lenders, investors, and real estate professionals. His disciplined, client-first approach ensures CMRE delivers institutional-grade lending solutions to everyday borrowers.
Credentials & Portfolio
- NMLS #1556995 — Nationwide Mortgage Licensing
- DRE #02018146 — California Real Estate License
- 20+ years in mortgage finance and real estate
- Built and scaled CMRE's wholesale lender network and capital relationships
Sam Tehranchi
Vice President
Sam Tehranchi drives CMRE's technology vision and operational growth as Vice President. With a strong foundation in mortgage origination and a passion for fintech innovation, Sam architected CMRE's AI-powered platform — enabling borrowers to receive pre-approvals in 24 hours and closings in as few as 7 days.
Sam has expanded CMRE's reach to serve all 50 states across 123+ loan programs — including Conventional, FHA, VA, Non-QM, DSCR, and Hard Money. His dual background in lending and software development bridges the gap between financial expertise and scalable, modern technology.
Experience & Portfolio
- Developed CMRE's AI-first underwriting and client platform
- Licensed in all 50 states with 123+ loan programs
- Structured financing across residential, commercial, and investment properties
- Closed hundreds of millions in loan volume across multiple market cycles
Monique Cortez
Chief Operations Manager
Monique orchestrates the day-to-day engine of CMRE, ensuring every loan pipeline, compliance workflow, and client interaction runs with precision. Her operational expertise spans loan processing, vendor management, and cross-team coordination — keeping CMRE's promise of 7-day closings a consistent reality.
- End-to-end loan pipeline oversight
- Cross-functional team leadership
- Process optimization & quality assurance
Eve Sanchez
Chief Compliance Officer
Eve is CMRE's regulatory guardian, ensuring every loan product, disclosure, and business practice meets federal and state lending standards. With deep knowledge of RESPA, TILA, HMDA, and state-specific mortgage regulations, Eve protects both CMRE and its clients from regulatory risk at every stage of the transaction.
- RESPA, TILA & HMDA compliance
- State & federal regulatory oversight
- Risk management & audit readiness
Horacio Aguayo
Chief Administration Officer
Horacio manages the structural backbone of CMRE — from human resources and licensing to corporate governance and strategic partnerships. His administrative leadership ensures CMRE operates as a well-governed, scalable institution capable of growing its footprint across new markets without sacrificing quality or compliance.
- Corporate governance & licensing
- HR, staffing & organizational design
- Strategic partnerships & vendor relations
Our Approach
CMRE combines mortgage expertise with fintech innovation to deliver a better lending experience.
Fintech Speed
CMRE's AI-powered platform processes mortgage applications 3x faster than traditional lenders. Digital underwriting reduces review time from weeks to days.
Transparency
CMRE provides wholesale rates with no hidden fees. Every borrower receives a clear breakdown of costs, rates, and terms before committing.
Expert Guidance
CMRE's team combines decades of mortgage industry experience with cutting-edge technology. Every client receives personalized attention from application to funding.
Ready to Get Started?
Apply in 10 minutes. Pre-approval in 24 hours. Funding in as few as 7 days.