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Kristina Hernandez - Branch Manager | NMLS#225677 in Folsom, CA

Kristina Hernandez

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Branch Manager | NMLS#225677

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I’ve been in the lending industry for over 22 years and specialize in first time home buyer programs as a CalHfa preferred lender. My team and I strive for excellent customer service to our referral partners and clients while we will walk w... Show More
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Location & Business Hours
Business Hours
Mon
8:30 AM to 5 PM
Tues
8:30 AM to 5 PM
Wed
8:30 AM to 5 PM
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Reviews from Web
  • write_review_unverified
    L
    Lisa A
    Posted on August 4th, 2026 02:36 PM
    After completing the home buying course, I checked the CalHFA site for referrals. I reached out to 4 and Kristina stood out. She was professional, knowledgeable, and attentive throughout the entire process. I requested different loan scenarios,...
    read more
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    Randie R B
    Fairfield, CA
    Posted on August 1st, 2026 03:07 PM
    Thank you!.
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    Lilly Z
    Santee, CA
    Posted on July 27th, 2026 10:46 PM
    As first-time homebuyers, we were honestly expecting the mortgage process to be pretty overwhelming and stressful, but this team made everything feel easy and smooth from start to finish. They were always quick to respond, great at communicating,...
    read more
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    Nikki A
    Victorville, CA
    Posted on July 26th, 2026 04:00 PM
    Kristina and her team provided excellent service and was able to close early. Kristina is a professional and experienced LO and I trust her to take care of my clients
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    Miguel R
    Posted on July 25th, 2026 04:26 PM
    Kristina Hernandez has received a review with 5 star rating from Miguel R
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    Miguel R
    Tracy, CA
    Posted on July 25th, 2026 04:25 PM
    I m really appreciate on the service that it was provided to me and my famil. what I see as important that that we need to communicate more buy phone not text messag.
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    Ahmad K
    Posted on July 25th, 2026 02:03 PM
    Kristina and her team were amazing. They had great communication and kept us up to date on all things related to our home purchase and it took 2 months to become first home buyer she is a opportunist❤️
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    Muhammad A Z K
    Marysville, CA
    Posted on July 25th, 2026 02:03 PM
    the process was very fast and friendly
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    Chris S
    Santee, CA
    Posted on July 23rd, 2026 06:08 PM
    Christina is a great communicator and she was always available to answer questions that made sense to the client.
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    Andre H
    Santee, CA
    Posted on July 23rd, 2026 05:31 PM
    Kristina was a true professional, knowledgeable and respectful throughout the entire process. Enjoyed my experience with Kristina - THANK YOU.
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    About
    I’ve been in the lending industry for over 22 years and specialize in first time home buyer programs as a CalHfa preferred lender. My team and I strive for excellent customer service to our referral partners and clients while we will walk with you every step of the way. Throughout your home loan journey we will communicate with all parties so that everyone knows where we are in the process and so there is never a question as to where you are and what the next step is. I offer FHA, Conventional, VA, USDA, CalHfa FHA/Conventional programs, and GSFA programs. Please reach out to me for a free pre-qualification consultation. I look forward to being your lender for life!
    Products & Services
    Mortgage Loan Officer
    FHA Home Loan
    Fixed Rate Mortgages
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    Time Zone

    Pacific Standard Time (PST)
    Licenses
    • NMLS#225677
    Disclaimer
    Homeowners Financial Group USA, LLC | NMLS#93718 | Equal Housing Lender | This is not a commitment to engage in a loan transaction. All loan products and loan amounts may not be available in your area and are subject to credit and property approval pursuant to agency and investor guidelines. Information, rates and programs are subject to change without prior notice. Other restrictions and limitations may apply. WebsiteLicensingNMLS Consumer Access. Toll Free (877) 305-5571.