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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
    S
    Steven V
    Modesto, CA
    Posted on November 16th, 2021 01:11 AM
    Kristina was very patient and thorough on this deal. We had an unfortunate situation where we had to wait for tenants to be evicted so it took alot longer than expected. She was very patient throughout the process and I appreciated that.
  • Encompass
    A
    Alejandra E
    Lodi, CA
    Posted on November 15th, 2021 05:41 PM
    Great communication, explained step by step what I had to do in order to achieve purchasing a home
  • Encompass
    E
    Evelyn M
    Stockton, CA
    Posted on November 15th, 2021 02:41 PM
    They are all pleasant and supportive
  • Encompass
    M
    Maritza H
    Modesto, CA
    Posted on November 12th, 2021 04:28 PM
    There was always such great Communication! Always willing to help out and made everything go by so smoothly even when there were a few bumps down the road! We are so happy to have had Kristina helping us achieve our dream of being Homeowners!...
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  • Encompass
    S
    Susan H
    Stockton, CA
    Posted on November 11th, 2021 05:07 PM
    Kristina’s response time to questions and letting us know the update on the buyers loan was outstanding. On-time closing, in fact she was even early. It was very refreshing for a lender to be on top of things and staying in touch with everyone...
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  • Encompass
    S
    Stacy K
    Stockton, CA
    Posted on November 11th, 2021 05:03 PM
    Kristina is the best, always right on top of everything and my clients are always happy!
  • Encompass
    R
    Raquel G
    Modesto, CA
    Posted on November 10th, 2021 04:26 PM
    The process was Easy and Kristina Communicate with me by text if she needed anything which made it easier.
  • Encompass
    M
    Mariela V
    Modesto, CA
    Posted on November 4th, 2021 10:11 PM
    Working with Kristina is alway a pleasure. She is very efficient, dependable and is alway on track of everything. I love the Kristina is always in communication with all parties throughout the entire loan process.
  • Encompass
    M
    Marilu M
    Modesto, CA
    Posted on November 4th, 2021 03:30 PM
    Communication,
  • Encompass
    Z
    Zakir K
    Lodi, CA
    Posted on October 30th, 2021 05:04 PM
    It was very greatful understanding
  • 541–550 of 887
    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.