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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
    A
    Adiba M S
    Elk Grove, CA
    Posted on May 26th, 2024 11:05 AM
    Kristina has been easy to work with from day 1. She has made our dream of owing a home in this competitive market a reality. Shout out to her and her amazing team for guiding us through each step carefully. I would recommend Kristina and her...
    read more
  • Encompass
    N
    Naomi V
    Valley Springs, CA
    Posted on May 25th, 2024 04:06 PM
    Greta communication and team work!
  • Encompass
    F
    Faith A
    Elk Grove, CA
    Posted on May 24th, 2024 05:20 PM
    Communication is critical in the process of a real estate transaction. Sometimes you have to get creative to get what you want for your clients and have a team that works together through the process. A successful close with no blood shed is...
    read more
  • google
    M
    M P R
    Posted on May 24th, 2024 02:11 PM
    Kristina Hernandez has received a review with 5 star rating from M P R
  • Encompass
    M
    Myrianna P R
    Atwater, CA
    Posted on May 24th, 2024 02:11 PM
    Kristina was so help and quick to provide us the information and help were were asking for. Communication was on point and responds quickly to emails.
  • Encompass
    J
    Jennifer H
    El Sobrante, CA
    Posted on May 23rd, 2024 04:14 PM
    Friendly, helpful and transparent communication
  • Encompass
    N
    Nery G C
    Atwater, CA
    Posted on May 23rd, 2024 01:50 AM
    Kristina and her team were very attentive. They would communicate with us extremely clearly and give us defined timelines. I can't express enough how grateful we are for their assistance and how smooth they made this process for us and gave...
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  • Encompass
    S
    Sahil S
    Atwater, CA
    Posted on May 22nd, 2024 08:46 PM
    Great response times and pre approval process was great and clients felt knowledgeable on what they were doing with the loan.
  • Encompass
    K
    Kenneth K
    Ione, CA
    Posted on May 19th, 2024 01:13 PM
    Kristina was always helpful and follows up on questions.
  • Encompass
    J
    Jennifer W
    Ione, CA
    Posted on May 19th, 2024 03:53 AM
    Christina is an amazing person who cares deeply about her clients and her agents. She is always available. She’s very knowledgeable and assist in anyway that she can. She always answered her phone whether it be early or late or on weekends....
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  • 241–250 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.