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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
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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    Dietrich D B
    Stockton, CA
    Posted on March 22nd, 2025 03:17 PM
    I find Kristina to be kind, well versed , professional and very concerned with doing her best for her clients. Thank you again Kristina
  • google
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    M G
    Posted on March 21st, 2025 01:05 AM
    Kristina Hernandez has received a review with 5 star rating from M G
  • Encompass
    M
    Marilu G
    Stockton, CA
    Posted on March 21st, 2025 01:04 AM
    Kristina made the process fast, closed on time and answers every question we had.
  • Encompass
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    Oscar S
    Stockton, CA
    Posted on March 12th, 2025 03:45 PM
    Everything was great ...and she works fast to get you approved..
  • Encompass
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    Nikki A
    Wildomar, CA
    Posted on February 15th, 2025 03:17 PM
    Kristina and her team provide exceptional top notch service to my clients. She is true professional and expert in closing loans. We had the opportunity to close early, but my client wanted to close on our scheduled close date. I would highly...
    read more
  • Encompass
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    Andrea M
    Stockton, CA
    Posted on February 10th, 2025 04:49 PM
    Everything about my experience was great!
  • Encompass
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    Nicole V
    Sonora, CA
    Posted on February 7th, 2025 03:38 PM
    Great job
  • Encompass
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    Danny F K
    Waterford, CA
    Posted on February 5th, 2025 03:14 PM
    any given time, I could reach out and contact Kristina. She would respond in a matter of minutes. You don't find that kind of quality customer service anywhere else. These folks do a tremendous job. I would recommend them to anyone! I'm so...
    read more
  • Encompass
    S
    Steve S
    Stockton, CA
    Posted on February 2nd, 2025 07:53 PM
    Closed early and great communication from Kristina!
  • Encompass
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    Ruben C
    Modesto, CA
    Posted on February 2nd, 2025 03:15 AM
    Very streamlined
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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.