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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
    Amy T
    Stockton, CA
    Posted on October 8th, 2021 07:47 PM
    Everything was great, communication, step by step updates, overall promptness of responses and great attitude.
  • Encompass
    J
    Joey M
    Stockton, CA
    Posted on October 8th, 2021 04:25 PM
    Excellent!!!
  • Encompass
    Y
    Yesenia Z
    Carmichael, CA
    Posted on October 7th, 2021 07:31 PM
    I would’ve preferred in person communication over email. Emails were always responded to quickly which was great but I feel as a first time home buyer doing things in person would have given a much better understanding of everything for my...
    read more
  • Encompass
    M
    Mellissa A A
    Stockton, CA
    Posted on October 7th, 2021 03:34 PM
    Everything was taken care of very quickly. All questions were answered.
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    J
    John T
    Waterford, CA
    Posted on October 5th, 2021 03:08 PM
    Not applicable
  • Encompass
    D
    David M
    Lodi, CA
    Posted on October 5th, 2021 02:42 PM
    Kristina and her team were extremely helpful and responsive throughout the entire loan process. They responded to my questions timely and provided me with the necessary tools to complete the application process.
  • Encompass
    D
    Danielle H
    Lodi, CA
    Posted on October 2nd, 2021 02:48 PM
    Kristina is a great communicator, very efficient and I never had to worry things were getting done on her end. Constant updates and we closed a week earlier than planned which was great! I highly recommend Kristina and hope to work with her...
    read more
  • Encompass
    J
    Javi F E
    Stockton, CA
    Posted on October 1st, 2021 06:06 PM
    Fast and very communicative!
  • Encompass
    Y
    Yadira F H
    Sacramento, CA
    Posted on October 1st, 2021 02:47 PM
    I AM SO HAPPY I GOT TO WORK WITH KRISTINA! AND EVERYONE ELSE THAT MADE THIS POSSIBLE!!
  • Encompass
    J
    Joe M
    Clements, CA
    Posted on September 30th, 2021 06:18 PM
    Kristina was able to get the loan approved and escrow closed in record time. we closed early on day 22 with FHA.
  • 561–570 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.