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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
    K
    Kuljit S M
    San Pablo, CA
    Posted on August 30th, 2023 02:44 PM
    Keep up the great work and look forward to working with her again. Kuljit M
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    Luke C
    Stockton, CA
    Posted on August 27th, 2023 01:40 AM
    Fast and friendly service!
  • Encompass
    D
    Diane R R
    Stockton, CA
    Posted on August 25th, 2023 01:29 PM
    I would recommend her to my clients which says everything
  • Encompass
    E
    Evelyn S
    Stockton, CA
    Posted on August 23rd, 2023 05:39 AM
    I just wanted to take a moment to express my gratitude for your amazing help and support. Your communication was outstanding and the transaction was effortless, which made the quick escrow a breeze. Thanks to you, everything went smoothly and...
    read more
  • Encompass
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    Pamela J
    Stockton, CA
    Posted on August 19th, 2023 08:25 PM
    Professionalism and responsiveness made it a great transaction!
  • Encompass
    M
    Michael T B
    Carmichael, CA
    Posted on July 21st, 2023 07:44 PM
    Easy to communicate with. Easy to work with.
  • Encompass
    V
    Valerie R
    Stockton, CA
    Posted on July 19th, 2023 05:50 PM
    Kristina and her team worked together with our builder team to successfully close our customer's loan on time. The customer felt comfortable with the advice and guidance of the loan officer and her team. In new construction, we usually discourage...
    read more
  • Encompass
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    Gloria J R
    Lodi, CA
    Posted on July 19th, 2023 03:23 PM
    Kristina was very informative and always kind. It was such a smooth and easy loan. Thank You Kristina!!!
  • Encompass
    J
    Janet M
    Stockton, CA
    Posted on July 19th, 2023 03:22 PM
    I have hear horror stories of people’s experience with different lenders. Kristina was the complete opposite. She did more than any other lender would have done. She not only helped me with my loan, but backed me through the whole process and...
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  • Encompass
    J
    Jennifer W
    Lodi, CA
    Posted on July 19th, 2023 02:50 PM
    Kristinas communication with my client and myself, as well as the listing agent. Made for a super smooth, super fast transaction! Thank you, Kristina!
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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.