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Kristina Hernandez - Branch Manager | NMLS#225677 in Folsom, CA

Kristina Hernandez

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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
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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
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    Jasen D O
    Mountain View, CA
    Posted on November 28th, 2025 05:05 PM
    Kristina was great, knowledgeable, and looked out for our best interest. She was always positive and solution focused anytime an issue came up. We are truly thankful for her service.
  • Encompass
    S
    Saletha M O
    Mountain View, CA
    Posted on November 28th, 2025 04:16 PM
    Working with Kristina was an exceptional experience. She brought deep knowledge to every stage of the home-buying process and always made us feel supported. Her responsiveness, professionalism, and genuine care set her apart. We’re so grateful...
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  • Encompass
    A
    Alyssa P
    Sacramento, CA
    Posted on November 23rd, 2025 03:08 PM
    Kristina and her team were absolutely wonderful. The communication and professionalism were fantastic. Any questions I had, they were able to get back to me very fast and give me the information I needed. I am very happy with how the process...
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  • google
    J
    Juan L
    Posted on November 22nd, 2025 06:26 PM
    Kristina Hernandez has received a review with 5 star rating from Juan L
  • Encompass
    J
    Juan L
    Stockton, CA
    Posted on November 22nd, 2025 06:26 PM
    Excellent communication, every question I had was explained thoroughly. Moved into our new home quicker than I anticipated.
  • Encompass
    M
    Marlaina G
    Stockton, CA
    Posted on November 17th, 2025 05:14 PM
    Kristina and her team are always amazing.
  • Encompass
    A
    Adrina C T
    Stockton, CA
    Posted on November 16th, 2025 01:30 AM
    Kristina is a leader in the industry. I have known, and worked with her for over 20 years. She has always been consistant on expediancy and knowledge in lending. I look forward to working with her again.
  • Encompass
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    Vicki H
    San Rafael, CA
    Posted on November 14th, 2025 04:13 PM
    Kristina is great! Very knowledgeable and patient. She was able to educate us as first time homebuyers. Kristina's communication was stellar but sometimes we found the communication from other members of the team to be confusing or lack the...
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  • Encompass
    K
    Kelli C
    Lodi, CA
    Posted on November 12th, 2025 04:07 PM
    Kristina made it so easy to get through the mortgage process. she was patient with all my questions and concerns. I will definitely recommend her to all my friends.
  • Encompass
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    Frances M W
    Ione, CA
    Posted on November 12th, 2025 03:04 PM
    They where very kind when I had many questions. They explained everything in an understanding way and made the whole process seamless and enjoyable
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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.