Kristina Hernandez's Cover Image
Kristina Hernandez - Branch Manager | NMLS#225677 in Folsom, CA

Kristina Hernandez

ClaimedPro

Branch Manager | NMLS#225677

Company Logo
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
Company Logo
Location & Business Hours
Business Hours
Thu
8:30 AM to 5 PM(Open now)
Fri
8:30 AM to 5 PM
Sat
closed
View All days
Overall Ratings
Filter by Date
Range
Filter by Rating
5 Star
97%
4 Star
3%
3 Star
0%
2 Star
0%
1 Star
0%
Reviews from Web
  • Encompass
    A
    Adrianne R
    Lancaster, CA
    Posted on January 18th, 2026 06:45 PM
    Kristina was professional and knowledgable.
  • Encompass
    K
    Khalid A
    Clovis, CA
    Posted on December 30th, 2025 03:02 AM
    Best lender ever always available to help very responsive. Thank you very much !
  • Encompass
    V
    Victoria A
    Stockton, CA
    Posted on December 23rd, 2025 03:40 PM
    Kristina, Belkys & Stephanie are amazing! They were available and responded quickly to all of my questions.Kristina's guidance and support through each step made the entire process go smoothly and we closed sooner than expected!Thank you so...
    read more
  • google
    C
    Chrystal S
    Posted on December 17th, 2025 09:49 PM
    Kristina was patient, knowledgeable, and responsive to every question I had. She helped set me up with an agent whom has worked with CalHSA clients previously so finding a house that met the criteria in our price range, while also being knowledgeable...
    read more
  • Encompass
    C
    Chrystal R S
    Modesto, CA
    Posted on December 17th, 2025 09:45 PM
    She was knowledgeable. She communicated regularly and responded promptly. She helped find a real estate agent that previously worked with people using th CalHFA program, so finding a house that met the requirements of the program was simpler....
    read more
  • google
    T
    The R G
    Posted on December 14th, 2025 05:47 PM
    Exceptional experience working with Kristina and her team. Everything was handled ahead of our timeline. I would highly recommend working with Kristina!
  • Encompass
    L
    Lydia R
    Modesto, CA
    Posted on December 14th, 2025 05:44 PM
    Everything was done ahead of our timeline. Great experience, no issues at all!
  • google
    R
    Rosario G
    Posted on December 2nd, 2025 01:47 AM
    Kristina helped me buy my first home in 2019. She also helped me refinance in 2022. When it was time to upgrade and buy my second home, I knew that I had to work with her again. She is really professional, knowledgeable, hardworking, and patient....
    read more
  • Encompass
    P
    Paloma R G
    Stockton, CA
    Posted on December 2nd, 2025 01:41 AM
    I have worked with Kristina before in 2019 when I bought our first home. In 2022 she helped me refinance then to. When it was time to upgrade our house I knew I had to work with her agai. She gets things done. She takes her clients situation...
    read more
  • Encompass
    D
    Denise W
    Mountain View, CA
    Posted on November 29th, 2025 10:18 PM
    Our situation was complicated - FHA loan and a condo that had let the certification lapse. We had to be patient, stay in communication and support one another throughout the transaction while enlisting the supprt of a moderately motivated HOA....
    read more
  • 61–70 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
    What is the Search Rank Score®?
    Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.

    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.