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

Kristi Hernandez, NMLS 246852 - at Rate NMLS 2611

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United States
Houston, TX
Kristi Hernandez, NMLS 246852 - at Rate NMLS 2611

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

11/02/2026

Your future home can start with one folder.

Organizing documents, such as income, assets, employment and current housing information before you apply could make mortgage prep feel a lot more manageable.

Start with one category today, then keep building from there. If you have questions, I’m happy to help you understand exactly what may be needed when you’re ready to take the leap toward homeownership. Save this post. Future you will be glad you did.
https://myoc.io/dLaEfmrzBxW/lZgfj

NMLS # 246852

10/30/2026

Home prices were up in more than three-quarters of the nation’s metro markets in the third quarter of 2026, with the average home price sitting at $432,900. The Northeast region (4%) led the nation in price appreciation, followed by the Midwest (3.6%). 21% of markets saw home prices decline in Q3, showing there's still plenty of opportunities out there for buyers.

Need help navigating this evolving housing market? Let’s talk.
https://myoc.io/dLaEfmrzBxW/EWeBY

NMLS # 246852

10/29/2026

With the economy remaining strong and inflation lingering, the Fed opted to hold interest rates during their latest meeting. Mortgage rates are expected to stay about where they are in response. When rates hold steady, it takes some pressure off your home financing decisions. Instead of trying to anticipate what could happen next, focus on your timing, budget and other factors within your control.

If you’re in the market for a new home, let’s plan your next move.
https://myoc.io/dLaEfmrzBxW/6VnZx

NMLS # 246852

10/28/2026

The new car payment followed you home … and now it won't leave. New debt can creep into your homebuying process, impacting your mortgage approval by changing your debt-to-income ratio.

Before financing a large purchase, let’s talk about how it may affect your plan. After all, some things are better left lurking in the shadows.
https://myoc.io/dLaEfmrzBxW/GYFbX

NMLS # 246852

10/27/2026

Running more than one business, or managing income that doesn't move in a straight line? Standard income documentation isn't always built for that. For eligible business owners, a current 12-month profit and loss statement may offer a documentation path built for that kind of complexity.

If that sounds like your business, let's have a conversation.
https://myoc.io/dLaEfmrzBxW

NMLS # 246852

10/26/2026

Don’t blame ghosts for every creak, thud and clunk. There’s (probably) a perfectly normal explanation for the sounds your home makes. The real trick is keeping up with seasonal maintenance to prevent small issues from spiraling into bigger ones.

Review our home maintenance guide to get your home ready for spooky season.
https://myoc.io/dLaEfmrzBxW/ajHiX

NMLS # 246852

10/22/2026

Planning to buy a home in 2027? Time to start the prep now. From building your savings to cleaning up your credit, a few smart moves today can help you get ready for what’s ahead.

Let’s talk about your specific options to create a custom financing plan for you.
https://myoc.io/dLaEfmrzBxW/4XY3T

NMLS # 246852

10/21/2026

One home goal. More than one way to get there. Your path to homeownership doesn’t have to look like everyone else’s. I can help you explore the options that may fit your goals.

Let’s talk about what could work for you.
https://myoc.io/dLaEfmrzBxW/BJrfD

NMLS # 246852

10/20/2026

Pending home sales fell 7.3% in September, with signed contracts down in every region of the country. With less competition, buyers who are ready may have more room to negotiate. Thinking about making a move while others wait?
https://myoc.io/dLaEfmrzBxW/RdANg

NMLS # 246852

10/15/2026

Did you get this riddle right? While the answer gets a lot of attention, it’s only one piece of the larger mortgage puzzle. Discover the other numbers and details worth considering in our guide, or speak with me to better understand the big picture.
https://myoc.io/dLaEfmrzBxW/Dagig

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

Website

http://rate.com/KristiHernandez

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