About Us

Our Mission

Everyone deserves the pride and security of home ownership.  At TCS Mortgage Brokers Inc., we are committed to providing our community with a wide variety of loan programs to fit nearly everyone’s financial needs.   As a mortgage broker, we have various lenders to work with to ensure you are getting the best deal for your Home Purchase or Refinance Loan.  Contact us today to get you on the path to homeownership!

Celia at TCS Mortgage Brokers Inc. 

   “Loving, Leading and Lending Families to a Bright Future”

Our Values

 TCS Mortgage Brokers will treat you like family as we help lead and educate you through the Purchase or Refinance process. Giving back to our community by helping people and families become homeowners to build their Real Estate Wealth.

Our Story

Celia Hernandez, Founder President and CEO of TCS Mortgage brokers began her journey to help people achieve homeownership in 1998 while working for an online lender.  At the time she was attending Cal State Hayward studying Business Admin/Finance and it became clear that the Mortgage Industry is where she wanted to be!  The next 20 years she worked in  the different channels a customer can obtain a mortgage:  online lender, bank, retail lender and finally wholesale!  In 2019 she became a Mortgage Broker on the wholesale side and discovered that this was the best avenue to help her community.  In 2021 TCS Mortgage Brokers Inc. became a reality!

Meet our team

Celia Hernandez


My name is Celia Hernandez and I am here to help you with all your home financing needs.  I have been in the mortgage industry for 20+ years and have the resources, patience, and passion to help you and your family build Real Estate Wealth.  As a mortgage broker, I have the advantage of comparing different loan programs with various lenders, ensuring you get the best-customized loan option for you!  I specialize in First-Time Home Buyer Programs in California and am committed to educating the community about the home loan approval process.

In my spare time, I enjoy coaching my 4 boys in Soccer, fishing, kayaking, wine tasting, gardening, and cheering on my favorite football team the 49ers!

I truly love my job as a Mortgage Broker and would be honored to be part of your Journey to Homeownership!

E-mail: celia@tcsmortgage.com

Call/Text: (209) 407-4288

Raul O. Cortez


My name is Raul O. Cortez and I have been in customer service for over 10 years I take pleasure in assisting people to resolve their issues and assisting them in their journeys.  I have also, worked in various financial and business settings and I take customer privacy very seriously.            From my years of employment, I’ve learned to be patient with people and treat them with respect, and to try others how I would like to be treated or how I would want my family to be treated.

In my personal time, I am a father to two boys, and I enjoy watching them play and sometimes coaching them.  I enjoy getting outdoors and I am an avid Dallas Cowboys fan.

Thank you for taking your interest in TCS and we look forward to helping you on your journey to either home ownership or assisting financially.

E-mail: raul@tcsmortgage.com

Call/Text: (209) 407-4288

Rigo Hernandez


My name is Rigo Hernandez and I am here to help you with all your home insurance needs.  I am a personal lines insurance broker and home insurance expert with TCS Insurance Brokers of California. I play an active role in the Central Valley Association of Realtors and have the right experience to help you get the proper insurance.

In my spare time, I enjoy coaching soccer for Tracy Youth Soccer League and baseball with Tracy Little League. As well as volunteering with Brighter Christmas each year.

I truly love my career in the insurance field because I get to help many wonderful folks. It would be an honor helping you find the right insurance.

E-mail: rigo@GetTCS.com

Call/Text: (209) 207-0577

Domingo Ramos


As a full lines insurance broker, agency principle and co-founder with TCS Insurance Brokers of California. My role is helping fine folks find the right insurance for their business, rentals or investments. Whether in California, Nevada or any of the 12 States we represent.

In my spare time you may find me on the soccer fields with my 4 children or in a local park with our 2 dogs. Or being involved in community events in Tracy with local non profits or at the county serving as a commissioner.

My 15 years in the insurance industry have provided me the experience needed to help our clients get properly paid during the worst of claims. I invite you to reach out to my team and I with your insurance challenge, we are sure to have a solution for you.

E-mail: domingo@GetTCS.com

Call/Text: (209) 207-0577

TCS Mortgage Brokers Inc.
NMLS 2102525
CA DRE CORP License #02144463
Equal Housing Opportunity

our address

2680 N Tracy Blvd Ste 1, Tracy CA 95376

our email


(209) 407-4288 Talk or Text

Copyright © 2023 TCS Mortgage Brokers Inc.
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