Kristy Hernandez Office Phone Number

Newark Office Staff

Fremont Loan Modification Attorney

Cara L. Milgate
Loan Modification & Short Sale Manager

Cara Milgate began her career 25 years ago (1986) working in a small bank in the lending department. While there, she gained valuable experience in processing, underwriting and selling mortgage loans. She sold loans to Freddie Mac and Fannie Mae, as well as assisting in the servicing department.

Cara obtained her California Broker License in 1991. She has extensive experience and knowledge in all lending areas including underwriting and real estate sales (specifically short sale). Cara successfully originated and funded over 2,500 loans throughout career, she trained at least 79 loan processors and real estate agents, has closed 219 real estate transactions and managed over 500 real estate sales transaction. Cara has also assisted hundreds of homeowners repairing their credit in regards to erroneous discrepancies on their credit which prohibited them from obtaining A+ interest rates in which they deserved.

Cara is the currently Loan Modification and Short Sale Manager for Hernandez Law Group. Cara actively focuses on the most intense and critical foreclosure situations. She engages with the housing community, local realtors, local politicians and has created exclusive relationships with banks. Cara’s team manages over 400+ distressed homeowners per month and over 150 foreclosure sales on a monthly basis. Cara has dedicated herself as an active advocate for homeowner’s rights and fair dealing. She is passionate and committed in helping distressed homeowners resolve their financial difficulties and obtain a short and long term solution. Cara is currently enrolled in law school through the California State Bar Law Office Study Program (LOSP).

Fremont Loan Modification Attorney

Waqas younes Butt
Foreign Legal Consultant (Pakistan)

Waqas Younes Butt . He completed his law degree from Punjab University, Pakistan, in 1996. After gaining experience as an independent Attorney, he moved to the United States for higher study.
He obtained an LLM in International Law legal studies from Golden Gate University, San Francisco in 2002. He then obtained a Foreign legal Consultant (FLC) Certification from State Bar of California in 2009. Waqas is the first Pakistani to receive an FLC from the State Bar of California. He joined Hernandez Law Group in 2010

Legal Facilitation and Development

Waqas is a highly experienced professional with more than ten years of legal consultancy experience, in depth understanding of international regulatory regimes, treaties and commitments coupled with a vast experience of working with investment promotion agencies. He has strong capabilities working in multiethnic environments at national, regional and international levels. He also exhibits strong problem solving and decision makes skills with a comprehensive understanding to implement coherent management strategies whilst improving organizational procedures within a demanding environment. He isEx-Executive member of the Capital Bar Association, Pakistan and is fluent in four languages (English, Punjabi, Urdu, Hindi)

Shawn L. Spangler
Loan Modification Processor

Shawn L. Spangler, a Legal Real Estate Consultant, has been with the company for 3 years. Shawn Spangler entered into the lending and real estate industry in 1991. Shawn has 20 years of experience dealing and working with banks and lenders. Shawn obtained her California Real Estate License in 1991. She has extensive experience in all lending areas, real estate sales (specifically short sale) experience and knowledge. Shawn attended Cal State East Bay and earned a bachelor of science degree in Business Administration. In 1988 Shawn successfully obtain her California Class A Engineering License.

Shawn has dedicated herself as an active advocate for homeowner’s rights and fair dealing. She is passionate and committed in helping hundreds of distressed homeowners resolve their financial difficulties and obtain a short and long term solution.

Fremont Loan Modification Attorney

Monica Spangler
Loan Modification Processor

Monica Spangler has worked in the mortgage industry since 1991 under broker Cara Milgate. When the mortgage meltdown happened in 2008, she found that many of her clients needed to refinance but could not, mainly because their property values had dropped too much and they had no equity, or were under water. In February 2009 she, along with Cara Milgate, decided to help out their clients by offering loan modification submissions. They had an extensive background doing mortgage loans and knew how to talk with the lenders so it turned out to be an easy and natural progression into loan modifications. Over the last 2 years they have had many successes and have helped hundreds of clients avoid foreclosure and keep their homes. Monica believes that this is the most stressful but definitely the most rewarding job that she has ever had!!

Monica has a Bachelor of Arts degree in Mass Communication with a minor in Business Administration. She holds a Real Estate Salesperson license and a Notary Public commission. Outside of work, she enjoys taking care of her family, cooking, wines and traveling with her husband Scott, daughter Scarlett and son Scotty.

Loan Modification Attorney

Sheila Spangler
Loan Modification Processor

Sheila’s work history has seen her doing a bit of everything. After two years in Junior College to pursue a career in veterinary medicine, she hit the job world and never looked back. Sheila has worked in corporate offices for over 10 years, at which point she jumped ship in 1983, moved to Colorado for 3 years to run a hunting camp and raise horses. Sheila then moved to Nevada to work in a silver mine for 4 years. She became really homesick for her family so she returned to California in 1990. She began working in the real estate business with Cara Milgate and Shawn Spangler. They had their own brokerage firm. When the market turned in 2008, Cara and Shawn, being the aggressive ladies they are, got their team involved with loan modifications in 2009, which has led to me working for attorney, Kristy Hernandez. Sheila has her real estate license and notary license.

Outside of work, her hobbies are doing anything with her family. She is a member of the Fremont Elks Lodge where she was the first lady president, currently she is the treasurer. Sheila is also a member of the Daughter’s of the American Revolution. She loves horses, loves to hunt, loves to travel, which she was able to do with her late father and they were able to visit 42 states and 3 Provinces together before he became ill. She has been to Europe several times and on multiple numbers of cruises in this wonderful world we live in.

Fremont Loan Modification Attorney

Victoria Ovieda
Loan Modification Processor

Victoria Ovieda, a Legal Real Estate Consultant, has been with the company for 3 years. Victoria entered into the lending and real estate industry in 2005. Victoria has 6 years of experience dealing and working with banks and lenders. Victoria obtained her California Real Estate License in 2006. She has extensive experience in all lending areas, real estate sales (specifically short sale) experience and knowledge.

Prior to embarking on a career in the Real Estate Industry, Victoria was an On-Site Manager for CheveronTexaco managing over 200 temporary employees and the overall staffing operations. She has extensive Customer Service, problem solving and negotiation skills.

Victoria has dedicated herself as an active advocate for homeowner’s rights and fair dealing. She is passionate and committed in helping hundreds of distressed homeowners resolve their financial difficulties and obtain a short and long term solution.


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