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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
Wed
8:30 AM to 5 PM
Thu
8:30 AM to 5 PM
Fri
8:30 AM to 5 PM
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Reviews from Web
  • Encompass
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    Max P
    Hayward, CA
    Posted on September 16th, 2026 05:12 PM
    kristina Is amazing. she Made the whole process smooth, fast and easy. Since the day I called her she was always very prompt and always answered any questions we were confused about. Kristina was someone we could really depend on. We can't...
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    Jesse L
    Posted on September 14th, 2026 12:22 AM
    Kristina Hernandez has received a review with 5 star rating from Jesse L
  • Encompass
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    Jesse L
    Stockton, CA
    Posted on September 14th, 2026 12:22 AM
    Level of communication and educational material for first time home buyers
  • Encompass
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    Janice G L
    West Sacramento, CA
    Posted on September 2nd, 2026 03:53 PM
    knowledgable and professional
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    Debbie L
    Posted on August 20th, 2026 01:00 AM
    KRISTINA WAS SO HELPFUL IN MY HOME BUYING EXPERIENCE, EVERYTHING WENT SMOOTHLY AND FAST. SHE WALKED ME THROUGH EVERYTHING I NEEDED TO DO AND WAD ABSOLUTELY AMAZING TO WORK WITH AND WILL DEFINITELY WORKBWITH HER AGAUN!!
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    Deborah A L
    Kelseyville, CA
    Posted on August 18th, 2026 08:07 PM
    She was amazing and so very helpful with the whole process,if I ever buy another home I will be using her
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    Lisa A
    San Mateo, CA
    Posted on August 11th, 2026 05:57 PM
    Kristina was professional, kind, and attentive. No matter the question, she answered in a thorough and respectful manner. She worked really well with my realtor and everything was done in a timely manner. She even made herself available for...
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    Lana M
    San Mateo, CA
    Posted on August 9th, 2026 02:53 PM
    Kristina was great from start to finish. A great communicator throughout the entire process. She knew the program really well and was able to deliver. Thanks so much, Kristina!
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    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,...
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  • Encompass
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    Randie R B
    Fairfield, CA
    Posted on August 1st, 2026 03:07 PM
    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.