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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
Thu
8:30 AM to 5 PM(Open now)
Fri
8:30 AM to 5 PM
Sat
closed
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Overall Ratings
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5 Star
97%
4 Star
3%
3 Star
0%
2 Star
0%
1 Star
0%
Reviews from Web
  • Encompass
    M
    Marko Z
    Long Beach, CA
    Posted on November 1st, 2025 10:18 PM
    Everything was so organized and all of my questions were answered very swiftly. I was very happy with this experience, especially this being my first home purchase!!
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    D
    David
    Posted on October 30th, 2025 05:16 PM
    Kristina Hernandez has received a review with 5 star rating from David
  • Encompass
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    David D
    Sacramento, CA
    Posted on October 30th, 2025 05:16 PM
    The staff was very friendly, and everything went smoothly. I really appreciated the excellent service. I've learned a lot during the process! I've felt I was taken care of from start to finish. Thanks again Kristina and her team !!!!!!!
    read more
  • Encompass
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    Marisol S
    Stockton, CA
    Posted on October 29th, 2025 03:40 PM
    Process was fast and very smooth. Closed earlier than expected.
  • Encompass
    A
    Ana R P
    Stockton, CA
    Posted on October 24th, 2025 09:26 PM
    Kristina did a great job assisting these buyers. She was great at communicating and finding a way to best assist these buyers.
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    Nancy R
    Stockton, CA
    Posted on October 6th, 2025 06:05 AM
    On top of it from the beginning. Kept all well informed. Totally smooth transaction.
  • Encompass
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    Cheryl L V
    Stockton, CA
    Posted on October 2nd, 2025 08:05 PM
    For Kristina saying above and beyond doesn't even come close expressing the customer service she provided. Kristina is truely the symbol of Excellence in Service in all areas of the lending industry.
  • Encompass
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    Jane S
    Concord, CA
    Posted on October 1st, 2025 02:29 PM
    you can call me if you like
  • Encompass
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    Trung N
    Glenhaven, CA
    Posted on August 28th, 2025 04:11 PM
    I had an outstanding experience working with Kristina Hernandez. From start to finish, their team was professional, transparent, and genuinely cared about helping me find the right loan for my needs. The process was smooth, stress-free, and...
    read more
  • Encompass
    V
    Vivian B
    Glenhaven, CA
    Posted on August 22nd, 2025 08:46 PM
    Thank you, Vivian
  • 91–100 of 887
    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. Website. Licensing. NMLS Consumer Access. Toll Free (877) 305-5571.