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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
    Ashok K
    Turlock, CA
    Posted on August 23rd, 2022 07:18 PM
    Kristina was able to find a replacement co-signer for the loan since the first co-signer withdrew.
  • Encompass
    G
    Girlie G
    Hayward, CA
    Posted on August 22nd, 2022 03:47 PM
    Kristina kept us well informed with all of the loan stages. I like it when she would respond to my emails even off office hours. She has superb know-how of the whole buy/loan process. We are first time homebuyer with limited resources but Kristina...
    read more
  • Encompass
    A
    Aaron N S
    STOCKTON, CA
    Posted on August 22nd, 2022 03:03 PM
    Kristina was very productive with results!
  • Encompass
    M
    Matthew M
    Elk Grove, CA
    Posted on August 21st, 2022 05:43 PM
    Really appreciate Kristina’s help on our recent transaction everything was so quick and smooth.
  • Encompass
    J
    Joann C
    Sacramento, CA
    Posted on August 21st, 2022 05:17 PM
    Transaction closed on time and smoothly
  • Encompass
    M
    Mauricio S
    STOCKTON, CA
    Posted on August 19th, 2022 03:44 PM
    Kristina did an awesome job. She keep us informed in every single step. She closed in 14 days. She Rocks!!
  • Encompass
    S
    Sina G
    STOCKTON, CA
    Posted on August 17th, 2022 04:44 PM
    Great knowledge and depth of loan including CalHFA; quick with her responses/communications with any questions I needed. She's wonderful!
  • Encompass
    B
    Brienne M H
    Elk Grove, CA
    Posted on August 16th, 2022 05:58 PM
    Kristina was fantastic! She was super quick with everything, and always answered my many questions with a great attitude. I felt that she was very trustworthy and had my best interest during my experience.
  • Encompass
    J
    Jesus S
    Stockton, CA
    Posted on August 15th, 2022 08:13 PM
    Kristina and her team were easy to work with, solved any problems that came up and made the overall experience go as smoothly as possible. I would recommend her and her team to anyone who’s looking to purchase a home and is looking for a great...
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  • Encompass
    D
    Diana A
    Stockton, CA
    Posted on August 8th, 2022 05:26 AM
    As usual Kristinas team helped the buyers close early and was informative through the process. Thank you for all your hard work!
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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.