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
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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they made the whole process feel like a breeze!
Reply from Raymundo Hernandez
July 20th, 2026 07:33 PM
I'm happy to hear that the process felt so easy for you, Monica! Making things smooth and stress-free is always my goal. Thank you for sharing your experience!
Ray made my loan process go smoothly and took care of any issues that we came across. I am happy to have him as my lender.
Reply from Raymundo Hernandez
July 13th, 2026 10:20 PM
I'm pleased to hear that I could make your loan process smooth, Xitlalli. Taking care of any issues along the way is always my priority, and I'm glad to know you're happy with my assistance. Thank you for your kind words!
Raymundo was outstanding throughout our home-buying journey. He guided us every step of the way, always taking the time to explain our options and help us making the best decision for our family.It’s wonderful to find someone who genuinely...
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he is amazing .
Reply from Ray Hernandez
June 8th, 2026 07:45 PM
I'm glad to hear you had a positive experience, Samuel. If there's anything more I can assist you with, feel free to reach out.
Raymundo was very helpful and answered every question I had , went above and beyond to accomplish my goal.
Reply from Ray Hernandez
June 2nd, 2026 02:14 AM
I'm grateful for your kind words, Vicky. It's wonderful to know that I could assist you effectively and help you achieve your goals. If you ever have more questions or need further assistance, please don't hesitate to reach out.
Rey was very helpful and professional.
Reply from Raymundo Hernandez
June 2nd, 2026 02:14 AM
Lucio, I'm pleased to hear that you found my assistance helpful and professional. It was a pleasure working with you at Central Trust Bank. If there's anything more I can do for you, please don't hesitate to reach out.
Raymundo and his team made this process very smooth. I am very pleased with all their hard work.
Reply from Raymundo Hernandez
June 2nd, 2026 02:15 AM
I'm grateful for your kind words, Estela. It's wonderful to know that the process went smoothly for you. My team and I are pleased we could assist you effectively. If you have any further needs or questions, don't hesitate to reach out.
Raymundo did everything in his power to get us the help we needed to close on our home. He was always available and willing to help answer questions and provide guidance outside of office hours.
Reply from Raymundo Hernandez
June 2nd, 2026 02:16 AM
Manuel, I'm pleased to hear that I was able to assist you effectively in closing on your home. Your satisfaction is important to me, and I'm glad I could provide the support and guidance you needed. If there's anything more I can do for you,...
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Working with Ray was truly an outstanding experience. His professionalism, expertise, and attention to detail made the entire process smooth and efficient from start to finish. Ray was always responsive, transparent, and willing to answer every...
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Reply from Raymundo Hernandez
June 2nd, 2026 02:18 AM
Hilda, I'm grateful for your kind words and am so pleased to hear that you had a positive experience working with me. It was my pleasure to assist you and ensure that the process was as smooth as possible. Your recommendation means a lot to...
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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