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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(Open now)
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
    J
    Julia H
    Bethel Island, CA
    Posted on March 4th, 2026 03:06 PM
    Quick communication adn avaible for any questions
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    Lily C
    Posted on February 28th, 2026 06:58 PM
    Kristina and her team went above and beyond making sure everything went smoothly! We can not say enough about her and the team.
  • Encompass
    L
    Lily L C
    Patterson, CA
    Posted on February 28th, 2026 06:57 PM
    Kristina and her team went above and beyond making sure all of iur paperwork and issues were taken care of
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    Victoria E
    Posted on February 6th, 2026 01:13 AM
    I had the absolute privilege of working with Kristina and her AMAZING team for over 8 months while purchasing my very first home. I truly cannot imagine going through this journey with anyone else. This was an extremely emotional and overwhelming...
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    Vicky M
    Posted on February 6th, 2026 01:12 AM
    I had the absolute privilege of working with Kristina and her AMAZING team for over 8 months while purchasing my very first home. I truly cannot imagine going through this journey with anyone else. This was an extremely emotional and overwhelming...
    read more
  • Encompass
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    Renee B
    Stockton, CA
    Posted on February 5th, 2026 05:37 PM
    Kristina made it great.
  • google
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    Henry Y
    Posted on February 2nd, 2026 07:03 PM
    Kristina and Team are great at communicating through the transaction process. Very knowledgeable, easy and a pleasure to work with.
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    Henry G Y
    Stockton, CA
    Posted on February 2nd, 2026 06:59 PM
    Kristina communicates very well through the transaction process. Had the Buyer fully prepared to get into contract and close sooner than expected. Kristina and her Team are easy and great to work with.
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    Gloria D
    Santa Maria, CA
    Posted on February 1st, 2026 10:11 PM
    What made it great was the continous communication, follow-up, delivered on what was promised and accuracy. Kristina did a great job.
  • Encompass
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    Alonso C
    Santa Maria, CA
    Posted on February 1st, 2026 09:06 PM
    Kristina communicated and let all parties know how the loan was going. She was able to get the loan closed earlier which was great for the sellers. Good job.
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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.