Cutberto "Cubie" Hernandez is a seasoned financial strategist, real estate  expert, and leadership development advocate with a passion for innovation and education in the mortgage industry.


With nearly two decades of experience in mortgage lending and investment strategies, Cubie has helped clients across seven states secure real estate financing solutions tailored to their needs. His expertise in investments and mortgage lending has earned him recognition as an NMLS Top 1% Originator for nine consecutive years, reflecting his commitment to excellence and client success.

As President & Chief Technology, Cubie is focused on optimizing financial education, developing industry-leading technology solutions, and fostering professional growth within the mortgage sector. His leadership extends beyond finance—he serves as Vice Chair of the Education Committee at AIME, where he mentors loan officers and broker-owners, shaping industry standards for success.

Cubie’s passion for leadership and innovation is evident in his role as Partner & Chief Leadership & Culture Officer at Twiz.io, where he drives AI-powered solutions to enhance consumer visibility and business scalability inreal estate. Additionally, he is a dedicated educator and co-author of a foreclosure counseling book, helping homeowners navigate financial challenges during the 2007 mortgage crisis.

With a Finance degree from Loyola Marymount University and Certified Financial Planning education from Boston University, Cubie combines financial expertise with a deep commitment to lifelong learning. His mission
is to empower professionals, foster community engagement, and leverage technology to drive meaningful growth in the mortgage and real estate industries.