--- title: Fernando Zapiain description: "Coming from a family of successful business owners and legal professionals, Fernando was raised with the tools, mindset, and drive to build a meaningful career in business. Born and raised in Long Beach, California, Fernando spent his early years immersed in the vibrant culture of Southern California—frequenting the beach, exploring Los Angeles, and gaining early exposure to the entertainment industry through his family’s involvement in television, print, and media. Eager to chart his own path, Fernando enlisted in the United States Marine Corps in 1995, where he received specialized training in various armed weapons and machine-gun equipment. Following his service, he began his college studies in Long Beach and went on to work as a paralegal at a law firm—an experience that sharpened his attention to detail and commitment to excellence. In 2004, Fernando transitioned to Central California and launched his career as a licensed Realtor. His passion for helping others and deepening his understanding of the real estate and financial markets soon led him to mortgage lending. Today, he is proud to serve as a Loan Officer—bringing together years of experience in real estate, law, and finance to provide compassionate, informed, and reliable service to every client. Clear communication and client education are the foundation of Fernando’s approach. He believes every borrower deserves to understand their options and feel confident in their decisions. He also embraces technology and remote collaboration, allowing him to work seamlessly with clients across California—whether in Southern or Northern regions—without compromising service or professionalism. Above all, Fernando is committed to meeting each client with the dedication and guidance needed to achieve their financial goals and homeownership dreams." image: https://www.churchillmortgage.com/hubfs/images/headshots/loan-officers/Fernando%20Zapiain%2c.jpg --- [![churchill logo in navigation bar](https://www.churchillmortgage.com/hubfs/images/logos/logo.svg) ](https://www.churchillmortgage.com) [888-562-6200 ](tel:888-562-6200) [Get Started!](https://www.churchillmortgage.com/get-started) - [Buy a Home](https://www.churchillmortgage.com/buy-a-home) - [Refinance](https://www.churchillmortgage.com/home-refinance) - [Calculators](https://www.churchillmortgage.com/calculators) [Mortgage Payment Calculator](https://www.churchillmortgage.com/Calculators/Monthly-Payment-Calculator) [How Much Can I Afford?](https://www.churchillmortgage.com/how-much-house-can-i-afford) [Rate Buydown Calculator](https://www.churchillmortgage.com/calculators/buydown-cost-calculator) [Refinance Calculator](https://www.churchillmortgage.com/calculators/refinance-break-even-calculator) - [Loan Programs](https://www.churchillmortgage.com/loan-programs) [Make Your Offer Competitive](https://www.churchillmortgage.com/home-buyer-edge) [Certified Home Buyer](https://www.churchillmortgage.com/certified-homebuyer) [$10K Seller Guarantee](https://www.churchillmortgage.com/seller-guarantee) [Secure Your Interest Rate](https://www.churchillmortgage.com/rate-secured) - [Resources](https://www.churchillmortgage.com/resources) [Frequently Asked Questions](https://www.churchillmortgage.com/faq) [Blog Articles](https://www.churchillmortgage.com/articles) [eBooks & Guides](https://www.churchillmortgage.com/ebooks) [Conventional Loans](https://www.churchillmortgage.com/loan-programs/conventional) [FHA Home Loans](https://www.churchillmortgage.com/loan-programs/government) [VA Home Loans](https://www.churchillmortgage.com/loan-programs/government) [No Score Home Loans](https://www.churchillmortgage.com/loan-programs/no-score) [All Loan Options](https://www.churchillmortgage.com/loan-programs) [Video Library](https://www.churchillmortgage.com/videos) - [Find A Loan Officer](https://www.churchillmortgage.com/loan-officers) - [MyChurchill Login](https://churchill.mychurchill.com/sign-in) - [Loan Servicing](https://www.churchillmortgage.com/loan-servicing-center) - [Join the Churchill Team!](https://www.churchillmortgage.com/careers) [Get Started!](https://www.churchillmortgage.com/get-started) [Call 888-562-6200](tel:888-562-6200) [Find a Loan Officer ](https://www.churchillmortgage.com/loan-officers) [Loan Servicing ](https://www.churchillmortgage.com/loan-servicing-center) [MyChurchill Login ](https://churchill.mychurchill.com/sign-in) # Fernando Zapiain Home Loan Specialist |   [ NMLS: 270739](https://www.churchillmortgage.com/license/fernando-zapiain#license) --- Fernando Zapiain Jr NMLS ID: 270739; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org); Branch ID: 2369953; CA-CA-DFPI270739, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, under Churchill Mortgage Corporation, which will do business in California as Churchill Mortgage Home Loans; 330 E Main Street, Turlock, CA 95380; Churchill Mortgage Corporation Churchill Mortgage Corporation, NMLS ID# 1591, is an Equal Housing Lender.  1149 Mallory Lane, Suite 100, Brentwood, TN 37027 All Other States: [Licensing](https://www.churchillmortgage.com/licensing) For licensing information go to: [www.nmlsconsumeraccess.org](https://www.nmlsconsumeraccess.org) We are vitally concerned with your privacy on the internet. 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Programs are for select loan types only and are not available in all states or locations. © 2020 All Rights Reserved For Licensing Information Go To: [ NMLS Consumer Access](http://www.nmlsconsumeraccess.org/) [Licensing](https://www.churchillmortgage.com/Licensing) [Privacy](https://www.churchillmortgage.com/Privacy) ![](https://arttrk.com/pixel/?ad_log=referer&action=purchase&pixid=17ecd3f1-495d-4132-be10-f862c5d18380)