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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
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    Jonathan L
    Riverbank, CA
    Posted on November 10th, 2022 03:08 PM
    All the reasons said before
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    Andre S
    Stockton, CA
    Posted on November 5th, 2022 03:11 PM
    I’ma 1st timer who’s been home shopping for a years, has several lazy agents/Logan processors and went escrow 4 times before finally closing. Kristina took the time to understand my needs and wants, advised me in ways no one else has, and and...
    read more
  • Encompass
    N
    Nichole M
    Stockton, CA
    Posted on November 5th, 2022 12:39 PM
    Kristina was able to pick up the pieces and get the clients file closed quickly.
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    Melody H
    Twentynine Palms, CA
    Posted on November 4th, 2022 02:53 AM
    The process was smooth.
  • Encompass
    A
    Amelie J A
    Twentynine Palms, CA
    Posted on November 1st, 2022 07:30 PM
    Kristina was very knowledgeable and responsive. She made me feel supported during this process.
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    Erica Z
    Riverbank, CA
    Posted on November 1st, 2022 03:42 PM
    I cannot say enough good things about my experience working with Kristina! She is knowledgeable, responsive, caring, and makes things happen!! Without her help and expertise, I would not own a home today!!
  • Encompass
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    Maxine M S
    Vallejo, CA
    Posted on October 28th, 2022 06:27 PM
    From the get-go Kristina was responsive and able to get preapprovals turned around for offers in no time. Once in contract she was very timely about communicating her needs and we were able to close on time!!!
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    Amy L C
    Vallejo, CA
    Posted on October 28th, 2022 03:46 PM
    Kristina is amazing. She was super responsive, organized, and efficient. Also available to answer questions and calm a first time homebuyer. This was a totally stress free process in large part due to Kristina. She's knowledgable, competent,...
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    Jobe D
    Sacramento, CA
    Posted on October 16th, 2022 02:59 PM
    Kristina is lovely
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    Terry L T
    Stockton, CA
    Posted on October 15th, 2022 09:45 PM
    Kristina was a absolute joy to work with she made thinks easy as 123 forever thankful for her
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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.