Ray Hernandez
AVP, Mortgage Loan Originator | NMLS# 2379589
When it comes to your mortgage, the more you know, the better it is. Ray’s knowledge is extensive, and he loves putting it to work for you. He’s been in mortgage lending since 2012 and is a member of the Mortgage Bankers Association Educati... Show More
Location & Business Hours
Business Hours
Tues
8 AM to 7 PM
Wed
8 AM to 7 PM
Thu
8 AM to 7 PM
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Reviews from Web
Very easy to work with and always on top of everything to get it done correctly will recommend to all my friends in the future
Reply from Ray Hernandez
October 7th, 2026 05:17 PM
Noel, I'm happy to hear that you found it easy to work with me and felt confident in the process. It's rewarding to know that my efforts at Central Bank made a positive impact, and I appreciate your future recommendations to your friends.
Es un muy buen agente explica muy bien el proceso ayuda muchísimo a buscar soluciones definitivamente lo recomiendo
Reply from Raymundo Hernandez
October 7th, 2026 05:18 PM
Karla, me alegra saber que encontraste útil mi explicación del proceso y que pude ayudarte a buscar soluciones. Aprecio mucho tu recomendación y me complace haber sido parte de tu experiencia con Central Bank.
He helped us in Everyway possible and for that we are grateful
Reply from Raymundo Hernandez
October 7th, 2026 05:20 PM
Cruz, I'm happy to hear that I could assist you in every way possible. Your gratitude means a lot to me, and I'm thankful for the opportunity to help you through this process at Central Bank.
We had a great experience with our loan originator! They were always responsive, explained everything clearly, and made the whole process feel much less stressful. We really appreciated how helpful and easy to work with they were from start...
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Reply from Raymundo Hernandez
October 7th, 2026 05:20 PM
Erik, I'm happy to hear that you had a great experience with me as your loan originator. At Central Bank, making the process clear and stress-free is always my goal, and I'm pleased that I could assist you every step of the way.
Raymundo was very informative and worked quickly to getting everything that was needed to close in less then 30 days!
Reply from Raymundo Hernandez
September 7th, 2026 04:55 PM
Makinzee, I'm pleased to hear that you found my assistance informative and efficient. I'm grateful I could help you close everything in less than 30 days. If you have any more questions or need further assistance, please feel free to reach...
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Ray was available anytime I had questions and answered them in a timely manner. He made the process very easy.
Reply from Raymundo Hernandez
September 3rd, 2026 12:58 PM
Leann, I'm grateful for your kind words. I'm pleased to hear that I could make the process easy for you and address your questions promptly. If you need anything else, please don't hesitate to reach out.
Ray was available every step of the way and was always willing to lend guidance. The level of service and communication was unmatched. I highly recommend Ray for anyone looking to get a loan. Earned a life time customer!
Reply from Raymundo Hernandez
September 2nd, 2026 03:17 PM
Mauricio, I appreciate your kind words and recommendation. I'm glad I could be there for you throughout the process and provide the service you needed. If you have any future needs or questions, please don't hesitate to reach out.
thanks for your help
Reply from Raymundo Hernandez
September 1st, 2026 01:47 PM
Maria, I'm glad I could assist you. If you have any more questions or need further help, please feel free to reach out.
It was excellent
Reply from Raymundo Hernandez
August 31st, 2026 08:45 PM
Daniel, I appreciate your feedback and am glad to hear that you had an excellent experience. If you need any further assistance, feel free to reach out.
Raymundo made the entire mortgage process smooth and stress-free. He was always professional, responsive, available and patient in answering all of my questions. He kept me informed every step of the way and made sure everthing was completed...
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Reply from Raymundo Hernandez
August 11th, 2026 08:11 PM
Bianca, I'm grateful for your kind words and am glad that I could make the mortgage process smooth and stress-free for you. It was important to me to keep you informed and address all your questions with patience. Thank you for recommending...
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About
When it comes to your mortgage, the more you know, the better it is. Ray’s knowledge is extensive, and he loves putting it to work for you. He’s been in mortgage lending since 2012 and is a member of the Mortgage Bankers Association Education Network Committee, Legal Issues and Regulatory Compliance Committee, the Hispanic Chamber of Commerce and Latino Community Development Agency as well as the Neighborhood Housing Services and Community Action Agency.
Ray eats, sleeps and breaths mortgage. And does it in two languages.
He’s completely fluent in English and Spanish and has worked with Spanish speaking borrowers for years. He’ll sit down with you, go over your options, and explain what needs to happen, each step of the way.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Mortgage Refinance
Specialities
Conventional Loans
FHA Loans (Federal Housing Administration)
VA Loans (Veterans Affairs)
USDA Loans (Rural Development)
Adjustable-Rate-Mortgages (ARM)
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Memberships
- Mortgage Bankers Association
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2012
Time Zone
Central Standard Time (CST)
Licenses
- NMLS# 2379589
Hobbies
- Running
- Outdoors
- Travel
Disclaimer
Equal Housing Lender | Member FDIC The Central Trust Bank NMLS ID # 407985