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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
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    Erasmo D
    Stockton, CA
    Posted on April 13th, 2025 07:33 PM
    Excellent communication, made the process easy and enjoyable.
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    Timothy H
    La Grange, CA
    Posted on April 3rd, 2025 06:25 PM
    Kristina was absolutely incredible to work with! She made herself available at all hours—early mornings, late weeknights—whatever was needed. Time was never an issue for her. She successfully sumitted our home loan within 4 hours to meet the...
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  • Encompass
    A
    Adam G
    Stockton, CA
    Posted on April 2nd, 2025 03:28 PM
    We had very tough clients , they had limited funds, credit card debt and required daily contact to answer questions sometimes multiple times. Kristina was gracious and kept up with their expectations the whole way through.
    read more
  • Encompass
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    Jennifer H
    La Grange, CA
    Posted on March 31st, 2025 03:57 PM
    Kristina and her team were professional, thorough and prompt. Kristina was always available and patient with any questions we had about our mortgage process. Kristina and her team are knowledgeable in all aspects and were eager to help and...
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    Chelsea H
    Posted on March 30th, 2025 06:17 PM
    Kristina was very responsive and amazing through this whole process. I would definitely recommend her!
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    Rigoberto R
    Galt, CA
    Posted on March 30th, 2025 06:15 PM
    Kristina was very quick to respond to any of my questions. This was a very smooth process thanks to her and her team.
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    Luis E M
    Posted on March 24th, 2025 04:29 PM
    She was very helpful, answered every question I had very quickly. Amazing customer service
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    Luis E M L
    Citrus Heights, CA
    Posted on March 24th, 2025 04:27 PM
    Kristina was amazing! Always helped me answering every question I had and very quick! My first home-buying experience was so smooth and quick thanks to her :)
  • Encompass
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    Tiffany P
    Kelseyville, CA
    Posted on March 23rd, 2025 12:03 AM
    Kristina Hernandez stands out as an exceptional professional in the field. Her extensive knowledge and expertise enable her to provide comprehensive loan options with competitive rates.During the complex process of my loan apolication, Kristina...
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    DD B
    Posted on March 22nd, 2025 03:18 PM
    Kristina is the best, bar none. If you're asking? I'd say without a doubt yes! You should choose her.
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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.