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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
    Alejandro R
    Escondido, CA
    Posted on April 16th, 2023 07:09 PM
    Kristina was had great communication and explained things clearly and patiently.
    Reply from Kristina Hernandez
    April 16th, 2023 08:06 PM
    I really appreciate the feedback and am looking forward to working with you again.
  • Encompass
    S
    Sandy S
    Vacaville, CA
    Posted on April 13th, 2023 06:35 PM
    As the listing agent, I really appreciated Kristina's level of communication with me. Great transaction! Great job Kristina!
  • Encompass
    M
    Michelle D
    Fresno, CA
    Posted on April 13th, 2023 03:20 PM
    Kristina is very knowledgeable and so helpful every step of the way!
  • Encompass
    J
    Joni V
    Vacaville, CA
    Posted on April 13th, 2023 02:22 PM
    It was a pleasure to have done this transaction with your company the communication was fantastic and questions answered promptly
  • Encompass
    E
    Erika R H
    Stockton, CA
    Posted on April 12th, 2023 06:03 PM
    Fast, no hiccups, good communication
  • Encompass
    L
    Lindsey M
    Hidden Valley Lake, CA
    Posted on April 10th, 2023 08:53 PM
    Kristina and her team were available all hours to answer questions. They were very communicative and made the process easy
  • Encompass
    J
    Janet R
    Stockton, CA
    Posted on April 8th, 2023 04:15 PM
    The homebuilders preferred lender had denied the loan in the middle of escrow and Kristina came in and saved it and closed on time and the payment was even lower than what the new home builders lender was offering
  • Encompass
    E
    Erica E
    Hidden Valley Lake, CA
    Posted on April 7th, 2023 04:16 PM
    Was able to assist my clients with all questions in a timely manner and was very efficient
  • Encompass
    L
    Lucinda P
    Stockton, CA
    Posted on April 7th, 2023 03:33 PM
    She made it very easy to follow through with every step of they way!
  • Encompass
    W
    Wayne L
    Stockton, CA
    Posted on April 7th, 2023 03:29 PM
    Kristina was extremely responsive and reliable with her communication which is hard to come by in this industry. All my questions were answered and were able to close a loan when our preferred lender couldn't and earlier than expected as well!...
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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.