Who would you like to work with?

Junior Bibian

As a Mortgage Loan Officer with more than 19 years of lending experience and 26 years serving members in the credit union industry, I am committed to helping individuals and families achieve their homeownership and financial goals throughout California and across the country. 

Born and raised in Ventura County, I have a deep understanding of the local real estate market and the unique needs of our community. Having experienced the homebuying process firsthand, I understand both the excitement and challenges that come with purchasing a home. 

I specialize in VA, FHA, conventional, jumbo, and first-time homebuyer loan programs. My experience also includes credit analysis, helping homeowners make the most of their home equity, second mortgages, HELOCs, home improvement financing, and ADU construction financing. 

Fluent in English and Spanish, I am passionate about educating and empowering my clients so they can make informed financial decisions with confidence. Whether you’re purchasing your first home, refinancing, investing in real estate, or accessing your home’s equity, I’ll be there to provide guidance and support every step of the way. 

Mortgage Loan Officer
NMLS# 522456
(805) 278-5716
(805) 436-7010 – Fax

Art Hernandez

As a dedicated Mortgage Loan Officer, I help homebuyers, homeowners, and real estate investors navigate financing with confidence. With years of lending experience, I provide personalized solutions, clear communication, and exceptional service from application to closing.

Born and raised in Ventura County, I take pride in serving the community I call home. As a homeowner, husband, and father, I understand the importance of making the right financing decision and strive to keep the mortgage process simple and transparent.

Areas of Expertise:

• First-Time Homebuyer Programs
• Conventional, FHA & VA Loans
• Manufactured Home Financing
• Home Equity Lines of Credit (HELOCs)
• Investment Property Financing
• Refinance Solutions
• Fast Pre-Approvals

Whether you’re buying, refinancing, or investing, I’m here to help you achieve your financial goals with confidence  

Mortgage Loan Officer
NMLS# 1052135
(805) 278-5727
(805) 436-7010 – Fax

Sarai Warren

Sarai Warren is a Senior Mortgage Loan Originator, High Net Worth Mortgage Advisor, and Home Equity Specialist with OceanAir Federal Credit Union. With more than 18 years of residential lending and financial services experience, she specializes in Jumbo and High Balance Mortgages, HELOCs, Home Equity Loans, Cash-Out Refinances, and solutions for self-employed borrowers, business owners, and high-net-worth clients.

A proud military spouse, Sarai is passionate about helping active-duty military members, veterans, and their families navigate VA financing and homeownership. She is also experienced in complex income, asset, and tax-return scenarios. Whether buying, refinancing, or accessing home equity, Sarai provides personalized guidance and trusted expertise from application through closing.

Mortgage Loan Officer
NMLS# 228558
(805) 278-5797
(805) 436-7010 – Fax