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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
    S
    Stacy K
    Stockton, CA
    Posted on August 22nd, 2025 04:51 PM
    Kristina always delivers, if she says they are approved, then i go with it, I trust her completely.
  • Encompass
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    Sarah D B
    Stockton, CA
    Posted on August 22nd, 2025 04:05 PM
    Kristina is top notch and if a offer comes in with her as the loan officer I have full confidence in the offer.
  • Encompass
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    Nichole M
    Stockton, CA
    Posted on August 18th, 2025 02:10 PM
    Kristina was very communicative. Worked hard to get us the best deal possible.
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    Janae A
    Posted on August 8th, 2025 05:03 PM
    Kristina Hernandez has received a review with 5 star rating from Janae A
  • Encompass
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    Janae A S A
    Stockton, CA
    Posted on August 8th, 2025 05:02 PM
    Kristina was extremely communicative and professional throughout the enti homebuying process. She was also easily accessible, patient, and willingly/happily to answer any and all questions I had. She made my experience a pleasant and memorable...
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    D
    Domingo H
    Posted on August 1st, 2025 02:43 PM
    I’m a first time home buyer and I was very lucky to find Kristina to help me with my loan application. She’s very friendly and helpful. She helped me with all my questions and concerns all along the way and finally I got the keys to my new...
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  • Encompass
    J
    Jonathan M V
    Santa Rosa, CA
    Posted on July 28th, 2025 09:02 PM
    From the beginning, Kristina answered all of our questions and guided us throughout the transaction. She was always available and consistently knowledgeable. Additionally, her assistance with warranties and home insurance quotes was an outstanding...
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    James V
    Posted on July 23rd, 2025 02:16 PM
    Kristina was on top of everything, responded quickly every time and made my purchase very easy.
  • Encompass
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    James E C
    Pine Grove, CA
    Posted on July 23rd, 2025 02:14 PM
    Great communication
  • Encompass
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    Becky D
    Camarillo, CA
    Posted on July 13th, 2025 07:08 PM
    Kristina made each step seamless from pre-acceptance to ultimate COE.
  • 101–110 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.