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

Kristina Hernandez

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Branch Manager | NMLS#225677

Company Logo
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
  • google
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    Gemma C
    Posted on July 11th, 2025 02:50 PM
    Kristina exceeded my expectations. She completely understood my financial needs, accommodated, and defended my interests. It was a seamless transaction that closed in less than 30 days. I highly recommend her expertise and she has the passion...
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  • Encompass
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    Gemma P
    Wallace, CA
    Posted on July 11th, 2025 02:50 PM
    Kristina was on top of everything from day 1 to closing. She is highly skilled and kept an eye on market rates with a goal of getting me the lower interest rate. She accommodated on my needs and very responsive to my questions and concerns....
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  • Zillow
    G
    Gemma P
    Wallace, CA
    Posted on July 10th, 2025 12:00 AM
    Kristina is beyond awesome throughout the entire home buying process; highly skilled, answered all my questions and concerns promptly and consistently. She understood my financial needs, advocated for me, defended my interest, and closed on...
    read more
  • Encompass
    N
    Nikki A
    Hemet, CA
    Posted on July 5th, 2025 05:02 PM
    Kristina and her team provided exceptional service and closed within three weeks as promised. And we were able to remove the contingencies in eight days which got our accepted snd we beat out the other offers. I always receive timely updates...
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  • Encompass
    C
    Celetta H
    Stockton, CA
    Posted on June 29th, 2025 09:36 PM
    Wonderful team! Always absolve and helpful. They worked with the realtor to provide clear and timely communication answering questions asked and anticipated thoroughly. I closed in less than 30 days! Thank you Kristina!
  • Encompass
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    Ibn O A
    Elk Grove, CA
    Posted on June 26th, 2025 07:20 PM
    Kristina was great from the start of the process and has an amazing team that our well informed. Communication was A+. Omar
  • Encompass
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    Nicholas D
    San Jose, CA
    Posted on June 21st, 2025 09:45 PM
    Working with Kristina was and excetional experience from our first conversation to closing escrow. She's knowledgable, prompt, available at all hours, patient and a proactive communicator!
  • Encompass
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    Eeman R
    Stockton, CA
    Posted on June 10th, 2025 11:28 PM
    Quick and great communication !
  • google
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    Fernando T
    Posted on June 10th, 2025 10:11 PM
    Kristina Hernandez has received a review with 5 star rating from Fernando T
  • Encompass
    F
    Fernando T
    Rail Road Flat, CA
    Posted on June 10th, 2025 10:11 PM
    The whole experience was great! kristina and her team were quick with responding to our questions and concerns and made the whole process of buying are first home a rememorable one!
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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. Website. Licensing. NMLS Consumer Access. Toll Free (877) 305-5571.