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
As first time buyers, there were a lot of things that were new and very confusing for us. Raymundo went above and beyond to explain every step of the process. He also bent over backwards to work out things so we could get into our house sooner...
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Reply from Ray Hernandez
January 13th, 2026 08:08 PM
Carilyn, I'm glad to hear that I could make the home buying process clearer for you as first-time buyers. It's important to me that you felt supported every step of the way. I'm pleased I could help expedite things so you could move into your...
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Working with Raymundo was a wonderful experience. He is amazing at his job and goes above and beyond for his clients. His dedication and genuine care for people sets him apart. You can definitely feel how much effort he puts into making the...
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Reply from Ray Hernandez
November 26th, 2025 12:11 AM
I'm truly grateful for your generous feedback, Diana. It's rewarding to know that my efforts made a difference in your loan process. Ensuring a smooth and stress-free experience is always my goal. Thank you for your strong recommendation—I...
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He explained everything. He is sound knowledge about mortagage. Thank u somuch ray
Reply from Raymundo Hernandez
November 26th, 2025 12:11 AM
I appreciate your feedback, Venkata. I'm glad to hear that you found my explanations and mortgage knowledge helpful. If you have any more questions or need further assistance, please don't hesitate to reach out. Thank you for your kind words....
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We went to a different bank to begin with and had a very bad experience even though we have great credit score along with a house thats paid off and another rental property. Ray helped us a lot after switching the process over to him and got...
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Reply from Raymundo Hernandez
November 26th, 2025 12:11 AM
I'm glad I could help turn things around for you once you switched to Central Trust Bank. It's great to hear that the process went smoothly, especially given your credit and property standing. Thank you for your recommendation, and if there's...
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Raymundo webt went above and beyond fir me he always fond a way to make things work I know my loan was different a difficult and he made it work and. I am finally a home owner ! THANK YOU RAY
Reply from Raymundo Hernandez
November 26th, 2025 12:12 AM
I'm glad to hear you finally have the keys to your new home. It was important to me that everything went smoothly, even with the challenges your loan presented. Knowing you're satisfied with the outcome means a lot to me. Don't hesitate to...
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Fue muy rápido el
proces.
Reply from Ray Hernandez
October 29th, 2025 09:59 PM
Catalina, I'm glad to hear that the process was quick for you. If there’s anything else I can help with, please feel free to reach out.
Everything was explained and made the whole process a lot less stressful than what it would trying to do this alone.
Reply from Ray Hernandez
October 29th, 2025 09:57 PM
I'm pleased to know that the explanations helped make the process less stressful for you. It's my goal to provide clear guidance and support, and I'm glad it made a difference in your experience. If you have any other questions or need assistance...
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Frim the first time a talk to Raymundo i never expect to be approve but he told me a lot ways to get approved and now i own my first house I'm really happy and excited thanks to Raymundo and Central Bank
Reply from Ray Hernandez
October 29th, 2025 09:57 PM
It's fantastic to hear about your journey to homeownership, Jose. I'm glad I could provide valuable guidance and explore different ways to help you secure your approval. Knowing that I've played a part in helping you achieve this milestone...
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Very nice guy. Good communication very professional ..
Reply from Ray Hernandez
October 29th, 2025 09:58 PM
I appreciate your kind words, Alma. I'm glad to hear that my communication and professionalism met your expectations. Please feel free to reach out if there's anything more I can assist you with.
Communication was key in my experience
Reply from Ray Hernandez
October 29th, 2025 09:58 PM
I appreciate your feedback on the importance of communication, Juan. I'm pleased to know that it played a crucial role in your experience. If there's anything else I can assist you with, please don't hesitate to reach out.
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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