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
Great and informative when asked questions
Reply from Ray Hernandez
August 18th, 2025 08:33 PM
I'm glad to hear that you found the information helpful, Derrick. It's important to me to provide clear and concise answers when you have questions. If there's anything else you need or any other way I can assist you, don't hesitate to let...
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He is very attentive and find the best loan according to your needs.
Reply from Ray Hernandez
August 18th, 2025 08:33 PM
Israel, thank you for your feedback. I'm glad to hear that my efforts to find the right loan for you were appreciated. It's important to me to ensure that each client's needs are met with care and attention. If you have any further questions...
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Great service and always very helpful
Reply from Ray Hernandez
August 18th, 2025 08:34 PM
Thank you, Eduardo, for sharing your experience! I'm so glad to hear that you found my service helpful. It's always my goal to provide support that meets your needs. Should you have any more questions or require further assistance, please don't...
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Raymundo was very helpful to me. He assisted me with everything I needed to get my loan. He was always willing to answer all my questions. I recommend Central Bank and I'm recommending Raymundo to help you get a mortgage loan.
Reply from Raymundo Hernandez
May 13th, 2025 06:58 PM
I'm delighted to hear that I could assist you effectively with your loan process. It was a pleasure to help you, and I appreciate your recommendation of both Central Trust Bank and myself. Thank you for your kind words.
Had a great experience with Raymundo was very professional, helpful and patient.
Reply from Raymundo Hernandez
March 21st, 2025 03:07 PM
Daylene, I'm thrilled to hear about your positive experience! It was a pleasure assisting you, and I'm glad I could help in a way that made you feel comfortable and supported. If you ever need anything else or have more questions, I'm always...
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Ray is the best!
Reply from Raymundo Hernandez
February 26th, 2025 09:31 PM
Thank you so much for your kind words, Syed! It's truly rewarding to know that you had a positive experience, and I'm thrilled to have been able to assist you. If you ever need anything else or have any questions, please feel free to reach...
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Went above and beyond to make sure I understood and and recieved all the information i needed
Reply from Raymundo Hernandez
January 25th, 2025 01:53 AM
Ruben, I'm thrilled to hear that you had a positive experience with us at Central Trust Bank. It's always my goal to provide clear, helpful information and I'm glad I could help you! Thank you for your fantastic rating and comments; they truly...
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Gracias raymundo por todo
Reply from Raymundo Hernandez
December 27th, 2024 12:14 AM
Un placer poder ayudarte Alberto, muchas gracias por el review.
Was very professional and will answer any questions we would have. Will recommend to friends and family.
Reply from Raymundo Hernandez
December 2nd, 2024 08:04 PM
Thank you so much for your kind review, Cesar! I'm overjoyed to hear that your experience with Central Trust Bank was positive and that you found my assistance useful. It was my pleasure to answer your questions and make your purchase process...
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Great explanation of terms!
Reply from Raymundo Hernandez
December 2nd, 2024 08:05 PM
I'm thrilled to hear you found my explanations helpful, Paul. It's essential to me that my clients understand the terms of their loan fully. I'm glad I could assist with your purchase. Your positive feedback means a lot, and I'm here should...
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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