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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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    Muhammad A Z K
    Marysville, CA
    Posted on July 25th, 2026 02:03 PM
    the process was very fast and friendly
  • Encompass
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    Chris S
    Santee, CA
    Posted on July 23rd, 2026 06:08 PM
    Christina is a great communicator and she was always available to answer questions that made sense to the client.
  • Encompass
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    Andre H
    Santee, CA
    Posted on July 23rd, 2026 05:31 PM
    Kristina was a true professional, knowledgeable and respectful throughout the entire process. Enjoyed my experience with Kristina - THANK YOU.
  • Encompass
    L
    Luis P
    Valley Springs, CA
    Posted on July 22nd, 2026 06:01 PM
    Kristina Hernandez and her team were absolutely amazing throughout my entire home-buying journey.From day one, the communication was outstanding. Kristina always kept me informed, answered every question, and made the loan process feel easy...
    read more
  • Encompass
    S
    Samuel M
    Modesto, CA
    Posted on July 22nd, 2026 04:58 PM
    Knowledge, patience explaining the process.
  • google
    T
    Tina T
    Posted on July 22nd, 2026 02:38 PM
    As a first time homebuyer, she made the process easy and efficient!
  • Encompass
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    Tina T
    Tracy, CA
    Posted on July 22nd, 2026 02:35 PM
    Kristina was professional and helped us get a home quickly. She was quick in answering any questions and helped me get the loan I wanted and more. I would definitely recommend her.
  • Encompass
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    Israel K
    Valley Springs, CA
    Posted on July 12th, 2026 12:57 PM
    The buyer is extremely happy.
  • Encompass
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    Edward R
    Tuolumne, CA
    Posted on July 11th, 2026 08:37 PM
    Kristina always does a great job!
  • Encompass
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    Brittney D J
    Tuolumne, CA
    Posted on July 11th, 2026 02:04 PM
    Kristina and Her team are the best. They walked us through everything even before being ready to buy. Buying process was very smooth.
  • 21–30 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.