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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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    Olga N
    San Jose, CA
    Posted on October 4th, 2024 09:51 PM
    Kristina was always available, and all issues were resolved quickly and efficiently.
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    Anthony N
    Elk Grove, CA
    Posted on October 4th, 2024 08:53 PM
    Kristina is so knowledgeable and patient. She walked me through entire process step by step and provided valuable advices along the way. I feel so fortunate to work with her as a first home buyer
  • Encompass
    R
    Ruthie J
    Scotia, CA
    Posted on October 4th, 2024 02:07 AM
    Kristina was amazing to work with! She made the entire loan process so easy and was always there to answer me and my clients' questions, no matter how small. Her knowledge and professionalism really stood out. I’d highly recommend her to anyone!...
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    Christina S
    Posted on October 1st, 2024 09:35 PM
    Kristina and her team were awesome. Very responsive, knowledgeable and understanding. Not that our loan was complicated, but it was our first time buying a home and my anxiety was so bad, like panic attack everyday bad, but she always made...
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  • Encompass
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    Christina S
    Scotia, CA
    Posted on October 1st, 2024 09:25 PM
    Kristina and her team were all super responsive had answers to all of our question and she even made it seem fine when I would freak out for whatever reason my anxiety had. I was telling people about her and how great they were before we even...
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    Irene B
    Posted on October 1st, 2024 05:15 PM
    Kristina is one of the best loan officers I have ever met. Responsive, highly professional and customer friendly.This was our first transaction together and I enjoyed it every step of the way.I have already referred a buyer to Christina and...
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  • Encompass
    I
    Irene B
    San Jose, CA
    Posted on October 1st, 2024 05:09 PM
    Kristinais one of the best loan officers I have ever met. Responsive, highly professional and customer friendly.This was our first transaction together and I enjoyed it every step of the way.I have already referred a buyer to Christina and...
    read more
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    Eduard Y
    Posted on October 1st, 2024 02:28 PM
    Kristina is the ideal Loan Officer. She brings a perfect blend of positivity, sensitivity, and professionalism to her role. Working with her has been a true pleasure, and I’m incredibly grateful for her expertise and support!
  • Encompass
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    Eduard Y
    San Jose, CA
    Posted on October 1st, 2024 02:27 PM
    Kristina is the ideal Loan Officer. She brings a perfect blend of positivity, sensitivity, and professionalism to her role. Working with her has been a true pleasure, and I’m incredibly grateful for her expertise and support!
  • Encompass
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    Ryan S
    Scotia, CA
    Posted on September 30th, 2024 03:34 PM
    Everyone was spot on, worked with us, patience.
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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.