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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
    M
    Michele L S
    Sacramento, CA
    Posted on November 12th, 2025 05:52 AM
    Kristina kept everyone informed and was ahead of the timeline throughout the transaction
  • Encompass
    V
    Vanessa A
    Stockton, CA
    Posted on November 11th, 2025 05:47 AM
    Very helpful and communicative through out the whole process. When initially applying, we thought we had a lost cause trying to apply and after some clarification we were able to get a solution. Kristina was great keeping us updated with each...
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  • Encompass
    K
    Katherine S
    Lodi, CA
    Posted on November 10th, 2025 04:57 PM
    ⭐️⭐️⭐️⭐️⭐️Kristina Hernandez is one of the best loan officers in the business! Every transaction we’ve worked on together has been smooth from start to finish. She’s always on time, communicates clearly, and stays professional every step of...
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  • Encompass
    D
    Dina L W
    Sacramento, CA
    Posted on November 10th, 2025 02:32 AM
    Kristina was Fantastic to work with! She represents with such dedication & professionalism, she communicates at every step so we all stay on target for a successful close. I can't wait to work with her again.
  • Encompass
    A
    Ana A C
    Santa Rosa, CA
    Posted on November 7th, 2025 04:10 PM
    Thank you for reaching out to insurance companies and being so informative and accessible.
  • Encompass
    A
    Adrian C D
    Santa Rosa, CA
    Posted on November 7th, 2025 03:42 PM
    Kristina always kept in the loop of our refinance process and was available pretty much anytime of day even late at night, which showed she was really there for us. She explained everything to us over and over because we didn't understand most...
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  • Encompass
    P
    Priscilla C
    Stockton, CA
    Posted on November 4th, 2025 04:28 PM
    Very friendly .
  • google
    J
    Jeffrey M
    Posted on November 3rd, 2025 07:55 PM
    Kristina Hernandez has received a review with 5 star rating from Jeffrey M
  • Encompass
    J
    Jeffrey V M
    Stockton, CA
    Posted on November 3rd, 2025 07:55 PM
    Kristina kept us posted every step of the way. She is a true professional.
  • google
    M
    Marko Z
    Posted on November 1st, 2025 10:18 PM
    Kristina and her team were very impressive to work with. They were very organized and answered all of my questions thoroughly and swiftly. Very happy with the whole experience!
  • 81–90 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.