---
canonical_url: https://lendb.ai/lo/kristina-hernandez-225677
json_url: https://lendb.ai/lo/kristina-hernandez-225677.json
nmls_id: 225677
last_verified: 2026-10-09
---

# Kristina Hernandez

Branch Manager at Homeowners Financial Group, Folsom, CA. NMLS ID 225677 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/225677)).

**Summary:** Kristina Hernandez (NMLS 225677) is Branch Manager at Homeowners Financial Group, based in Folsom, CA. Licensed in 2 states: California and Texas. Focus areas shown on the lender page: FHA loan, First-time buyer, USDA loan and VA loan. Last verified 2026-10-09.

## At a glance

- Years licensed: unknown
- Licensed in: California (CA), Texas (TX)
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://homeownersfg.com/kristinahernandez/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://homeownersfg.com/kristinahernandez/
- **USDA loan** (`usda`): lender page, confidence 0.90, verified 2026-10-09. Source: https://homeownersfg.com/kristinahernandez/
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://homeownersfg.com/kristinahernandez/

## About

Kristina has over 29 years of lending industry experience and specializes in first-time homebuyer programs as a CalHfa preferred lender. She offers FHA, VA, USDA, and CalHfa programs with a focus on clear communication throughout the mortgage process.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Video intro available

Kristina has a short recorded video intro on Homeowners Financial Group's site.

Watch on Homeowners Financial Group's site: https://homeownersfg.com/kristinahernandez/

The recording is hosted by the lender; LenDb does not copy or transcribe it. Verified 2026-10-09.

## Facts from the lender page and intro

- role: Branch Manager. Source: https://homeownersfg.com/kristinahernandez/, verified 2026-10-09.
- credential: CalHfa preferred lender. Source: https://homeownersfg.com/kristinahernandez/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Issued | Source | Verified |
|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |
| TX | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Homeowners Financial Group (NMLS 93718), Folsom, CA. Source: https://homeownersfg.com/kristinahernandez/, verified 2026-10-09.

## Disciplinary actions

None on record at LenDb (regulator orders are not loaded yet; check NMLS Consumer Access).

## Contact

- linkedin_url: https://www.linkedin.com/in/kristina-hernandez-75566819/ (source: lender_site, verified 2026-10-09)
- View profile at Homeowners Financial Group: https://homeownersfg.com/kristinahernandez/
- Office phone and Email on file: shown at https://lendb.ai/lo/kristina-hernandez-225677#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/225677
- lender_site: https://homeownersfg.com/kristinahernandez/

Cite as: Kristina Hernandez (NMLS 225677), Homeowners Financial Group. LenDb.ai, https://lendb.ai/lo/kristina-hernandez-225677, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._