Kristi Hernandez, NMLS 246852 - at Rate NMLS 2611

Kristi Hernandez, NMLS 246852 - at Rate NMLS 2611 Kristi Hernandez, NMLS 246852
VP of Mortgage Lending at Rate (operating as Guaranteed Rate, Inc. in New York state) NMLS 2611. I love helping people with that.

At any given time, people are looking for a cozy space to call "home." I usually let my customers and employees know that they are cared for. I educate my clients that they can have a home, and it's not rocket science as commonly believed. There's a way to break a cycle of not being prepared. I can help my clients simplify the process when it comes to becoming a home buyer. My mission is to help i

ndividuals and their families achieve their dream of homeownership. I can help with knowing your finances and knowing your buying power.

09/08/2026

With Forward Commitments and DSCR, you can lock in pricing for your investor buyers and let their rental income do the qualifying. It's a faster path from contract to close, and a real edge over builders who can't offer it.

Ready to protect your pipeline? Let's connect.
https://myoc.io/dLaEfmrzBxW/Yd6cd



NMLS # 246852

09/07/2026

The small moments at home are often the ones we remember for a lifetime. However you’re enjoying Labor Day, I hope it’s filled with loved ones, laughter and great food.

How’re you celebrating today?
https://myoc.io/dLaEfmrzBxW



NMLS # 246852

09/03/2026

Before you start browsing for homes, one of the smartest things you can do is scope out your mortgage options. Knowing what types of loans you qualify for will help you target your search and negotiate with sellers. That’s where pre-qualification and pre-approval come in. While pre-qualification doesn’t include a deep dive into your financial history, pre-approval does, giving you a more accurate view of your options.

Let’s break down the differences together.
https://myoc.io/dLaEfmrzBxW/7N85u



NMLS # 246852

09/01/2026

When it comes to finding a home, every generation looks for something different. Which group do you align with? Take the quiz to find out which generation’s house hunting style matches yours. You might be surprised!

Comment your results below.
https://myoc.io/dLaEfmrzBxW/rzUXS



NMLS # 246852

08/31/2026

When your tax return doesn’t capture your full financial picture, it’s time to use your assets. Bank accounts, retirement accounts, investment portfolios, stocks, crypto and bonds could offer you loan amounts up to $5M, without a W-2.

I could qualify you for a mortgage using the wealth you’ve been building. Get in touch today and find out which doors your finances could open.
https://myoc.io/dLaEfmrzBxW/F47Cq



NMLS # 246852

08/27/2026

Return on investment is not the only reason to improve a home. Sometimes a project is worth it simply because it makes the place yours. What is the best or worst project ROI you have seen? Drop it in the comments.

And if you are considering a project of your own, reach out anytime and let’s talk through how it fits your bigger picture.
https://myoc.io/dLaEfmrzBxW/szyG3



NMLS # 246852

08/25/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why. Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.
https://myoc.io/dLaEfmrzBxW/3l8gw



NMLS # 246852

08/24/2026

A home is not just where you live. It is where you gather the people who matter and make the nights worth remembering. When the space is yours, every plan gets a little easier to say yes to.

Let me know in the comments which event would come first on your calendar. And when you're ready to start your homeownership journey, I'd be happy to help you explore your options.
https://myoc.io/dLaEfmrzBxW/YT11y



NMLS # 246852

08/20/2026

You've spent years building equity in your home. The question a lot of homeowners ask next is what they can actually do with it. A HELOC is one option that may let eligible homeowners access a portion of that equity, up to an approved limit, for things like home improvements or other financial goals.

If you're wondering how your equity fits your bigger picture, let's talk it through.
https://myoc.io/dLaEfmrzBxW/Qx8CZ



NMLS # 246852

08/19/2026

A clearer housing plan starts with understanding your options. Renting may be right for now, but if you want more predictability in your
monthly budget, it may be worth seeing how homeownership compares.
https://myoc.io/dLaEfmrzBxW/uzjgx



NMLS # 246852

Address

2603 Augusta Drive, Suite 420
Houston, TX
77057

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

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