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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
    J
    Jennifer C
    Lakeport, CA
    Posted on December 26th, 2022 12:15 AM
    Kristina worked really hard to make sure I got the best mortgage rate possible while also making sure my escrow closed expeditiously. She's a seasoned professional and was great to euro with. I really appreciate all of her and her team's help...
    read more
  • SFTP
    R
    Robert D
    Posted on December 24th, 2022 04:26 PM
    Great experience
  • SFTP
    L
    Lori A R
    Posted on December 24th, 2022 04:02 PM
    Smooth sailing throughout the process!
  • Encompass
    J
    Jessica F S
    Lakeport, CA
    Posted on December 22nd, 2022 07:31 PM
    Kristina and her team has been one of the fastest and best lenders I have had the privilege to work with.
  • SFTP
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    Steven P P
    Posted on December 18th, 2022 06:56 PM
    I am a realtor with 13 years experience, I know when Kristina is the loan officer the loan will go through on time if not earlier. She is the only lender we recommend.
  • Encompass
    J
    Janet R
    Stockton, CA
    Posted on December 16th, 2022 08:01 PM
    Kristina was able to qualify the buyer for down payment assistance programs when another lender couldn’t. She helped keep the buyers morale high during the buying process. She explained everything to him in details and in a timely manner. She...
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  • SFTP
    J
    Jovan K
    Posted on December 15th, 2022 10:30 PM
    Kristina was great to work with. Always prompt to answer questions and provide updates. Great professional. Highly recommending her to anyone wanting to close transaction on time.
  • SFTP
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    Kathy J R
    Posted on December 15th, 2022 09:14 PM
    Kristina provided professional service regarding our loan. She was always prompt and easily available to answer questions. She is very friendly and we enjoyed working with her. Judging from my past experiences with mortgage lenders, Kristina...
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  • Encompass
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    Hannah L H
    Clearlake, CA
    Posted on November 21st, 2022 03:24 PM
    Kristina and her entire team were amazing through the entire mortgage and loan process.
  • Encompass
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    Trung N
    Clearlake, CA
    Posted on November 11th, 2022 03:18 PM
    Amazing service and communication. Highly knowledgeable and would recommend to other clients.
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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.