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
Gave us good advice and guidance throughout the intire process.
Reply from Raymundo Hernandez
June 2nd, 2026 02:19 AM
Lucila, I'm pleased to hear that you found my advice and guidance helpful throughout the process. It's great to know that I could support you effectively. If you have any more questions or need further assistance, please don't hesitate to reach...
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Great communication, very helpful and made this first time home buyer happy.
Reply from Ray Hernandez
May 9th, 2026 07:39 PM
Ivan, I'm pleased to hear that you felt supported during your first home-buying experience. It's appreciated to know that my communication and assistance made a positive impact. If you have any more questions or need further help, feel free...
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Felt like family.
Reply from Ray Hernandez
May 9th, 2026 07:40 PM
Thank you, Gustavo, for your kind words. I'm pleased to hear that you felt such a welcoming atmosphere during your experience with me at Central Trust Bank. If there's anything more I can do for you, please don't hesitate to let me know.
Por qué siempre fue muy amable y paciente
Reply from Ray Hernandez
May 9th, 2026 07:40 PM
Benita, me alegra saber que encontraste mi trato amable y paciente. Estoy aquí para ayudarte siempre que lo necesites. ¡Gracias por tu comentario!
He is a professional agent that helps with all details and information
he's very clear and like to explain step by step of the process
i highly recommend him for new home buyers
Reply from Raymundo Hernandez
April 16th, 2026 11:41 PM
I'm grateful for your appreciation, Juan! If there's anything else you need, feel free to let me know.
Raymundo was very responsive and helpful throughout the process!
Reply from Raymundo Hernandez
April 16th, 2026 11:44 PM
Aide, I'm glad to know that you found my responsiveness and support helpful during the process. It was a pleasure assisting you, and I appreciate your feedback. If you have any more questions or need further assistance, please feel free to...
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Process was really fast and easy, Ray made it possible to get the house with as little money as possible. Recomend 100%
Reply from Raymundo Hernandez
April 16th, 2026 11:45 PM
Brandon, I'm glad to hear the process was fast and easy for you. It's great to know I could assist in making your home purchase efficient and cost-effective. Thank you for your recommendation!
Ray was so easy to work with and helped me throughout the whole process !
Reply from Raymundo Hernandez
April 16th, 2026 11:44 PM
Rafel, I'm pleased to hear that you found it easy to work with me and that I could assist you throughout the entire process. Your positive experience means a lot, and I'm grateful for your kind words. If there's anything more you need, please...
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Mr. Ray Hernandez work so fast in my case to get a new home, to appreciate a lot , thank you so much.
Reply from Raymundo Hernandez
April 16th, 2026 11:43 PM
I'm pleased to hear that my efforts made a positive impact on your journey to getting a new home, Maggie. Your appreciation means a lot to me, and I'm here if you need any further assistance. Thank you for your kind words!
Thanks!!!!!!!!
Reply from Ray Hernandez
April 16th, 2026 11:41 PM
I'm grateful for your appreciation, Juan! If there's anything else you need, feel free to let me know.
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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