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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
    C
    Carolee A W
    Carmichael, CA
    Posted on August 6th, 2022 07:21 PM
    You were very efficient I’m communicating with us and letting us know what we need to get done! Thank you
  • Encompass
    C
    Carolina G
    Stockton, CA
    Posted on August 5th, 2022 07:19 PM
    Thank you so much Kristina for making this process as easy as it should be, most people would say it’s stressful but you and your team did an amazing job and made it the most stress free!
  • Encompass
    D
    Diana A
    Stockton, CA
    Posted on August 3rd, 2022 10:21 PM
    Kristina and her team helped my buyers close in 21 days! My buyers were so grateful they were able to move out on time before their leased expired. They said her and her team were very responsive and helpful throughout the whole process!!!!...
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  • Encompass
    E
    Esther A
    Stockton, CA
    Posted on August 1st, 2022 05:29 PM
    Kristina is a rock star!! She has great patience and never sounds frustrated when we ask so many questions!!! She always has a answer to all your questions.
  • Encompass
    M
    Melissa K S
    Stockton, CA
    Posted on July 29th, 2022 09:23 AM
    If it wasn’t for Kristina we would have not been able to buy our home. She is very knowledgeable and looks out for her clients.
  • Encompass
    K
    Kathleen C
    Stockton, CA
    Posted on July 28th, 2022 12:51 PM
    A missed opportunity! I was SVP of a large mortgage company prior to my retirement and am very respectful of LO's and their team. Sadly, there was no introduction from Kristina or anyone on the team. I received email updates of the loan process...
    read more
  • Encompass
    M
    Matthew M
    Marysville, CA
    Posted on July 4th, 2022 10:41 PM
    Kristinas wealth of knowledge and expertise is very useful for client education. Also her ability to reassure clients is extremely valuable.
  • Encompass
    R
    Rosendo S
    Manteca, CA
    Posted on June 29th, 2022 01:35 PM
    Quick pre approval process, Kristina always answered questions in a very timely manner. We were always given updates on loan status. Kristina and Suzie were always pleasant.
  • Encompass
    L
    LiChing C
    Elk Grove, CA
    Posted on June 20th, 2022 07:03 PM
    Asking the right amount of material to make this loan work just in time
  • Encompass
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    Marisa M
    Elk Grove, CA
    Posted on June 17th, 2022 05:03 PM
    Quick close, great communication
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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.