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

Kristina Hernandez

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Branch Manager | NMLS#225677

4.94
(854)
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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
Tues
8:30 AM to 5 PM
Wed
8:30 AM to 5 PM
Thu
8:30 AM to 5 PM
Overall Ratings
4.94
(854)
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Reviews from Web
  • 5.0
    Encompass
    K
    Kaira J C
    Los Angeles, CA
    Posted on June 11th, 2026 09:10 PM
    Kristina is absolutely wonderful.
  • 5.0
    Encompass
    C
    Chris S G
    Katy, TX
    Posted on June 7th, 2026 03:37 PM
    She did a great job getting us to the closing table. She also communicated well.
  • 4.83
    Encompass
    E
    Erik M
    Redwood City, CA
    Posted on June 7th, 2026 02:46 PM
    Kristina is a pleasure to work with. Her response time for my questions were quicker than I expected. I appreciated her positive approach as we navigated the home buying process.
  • 5.0
    Encompass
    J
    Jeffrey R
    Jamestown, CA
    Posted on May 1st, 2026 02:56 PM
    Kristina was very helpful and kept us updated throughout the whole
  • 5.0
    Encompass
    T
    Tyrees D C
    Patterson, CA
    Posted on April 22nd, 2026 08:58 PM
    Kristina was awesome!
  • 5.0
    google
    J
    Joycelyn Y
    Posted on April 16th, 2026 04:24 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.
  • 5.0
    Encompass
    J
    Joycelyn J C
    Patterson, CA
    Posted on April 16th, 2026 04:23 PM
    Kristina and her team are AMAZING. They had great communication and supported us through the entire home buying process. Kristina also referred us to our realtor! Thank you Kristina!
  • 5.0
    Encompass
    D
    Diane K
    Long Barn, CA
    Posted on April 16th, 2026 12:30 PM
    Kristina communicated clearly and frequently with both myself and my client. she made sure things ran smoothly and quickly.
  • 5.0
    Encompass
    S
    Stacy K
    Carmichael, CA
    Posted on April 13th, 2026 05:42 AM
    I have followed Kristina wherever she has worked in the last 20 years we have been doing business. I recently have been spending a lot more time in Montana, I miss dealing with her more often. I still do business in California and send her...
    read more
  • 5.0
    Encompass
    J
    Janice G L
    Walnut Grove, CA
    Posted on March 28th, 2026 03:11 PM
    Kristina communicated quickly. She is knowledgable and professional.
  • 10 of 854
    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
    379
    /850
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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.