Ray Hernandez - NMLS# 2379589 - Central Bank

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United States
Oklahoma City, OK
Ray Hernandez - NMLS# 2379589 - Central Bank

Experienced bilingual mortgage loan officer with years of expertise.

I will guide you through every step of the mortgage process, ensuring a smooth and successful journey.

06/11/2026

Think you need perfect credit or a large down payment to buy a home? Not always. An FHA loan may be worth exploring for eligible buyers looking for a more accessible path to homeownership.

With lower down payment options and flexible qualification guidelines, FHA financing can be a strong solution depending on your goals and circumstances.

Let’s talk through your options!

Member FDIC | NMLS # 407985 | Equal Housing Lender

06/04/2026

A buydown is not one-size-fits-all.

A permanent buydown may help lower the interest rate for the life of the loan, while a temporary buydown may help lower the payment for the first few years before it adjusts to the full note rate.

In some situations, a seller or builder may be able to contribute toward the cost, depending on the loan program, contract terms, and guidelines.

The best option depends on your budget, timeline, and overall goals. Before choosing, make sure you understand both the upfront cost and the long-term impact.

For informational purposes only. Not a commitment to lend. Loan approval, terms, rates, costs, discount points, and concession limits are subject to borrower qualifications, credit approval, program guidelines, property eligibility, contract terms, and underwriting.

Member FDIC | NMLS # 407985 | Equal Housing Lender

06/02/2026

June is National Homeownership Month 🏡

A great reminder that buying a home does not start with the open house — it starts with clarity.

Before you start house hunting, make sure you understand your monthly payment, cash to close, loan options, and overall comfort level.

The goal is not just to buy a home.
The goal is to buy a home with confidence.

Thinking about buying this year? Start with the numbers first. https://www.centralbank.net/learning-center/homeownership/buying/

For informational purposes only. Not a commitment to lend or extend credit. Loan approval, terms, rates, down payment, and closing costs are subject to borrower qualifications, program guidelines, property eligibility, and underwriting approval.

Member FDIC | NMLS # 407985 | Equal Housing Lender

05/28/2026

Not every homebuyer has the same plan—and not every mortgage should be one-size-fits-all. For some buyers, an Adjustable-Rate Mortgage (ARM) may offer a lower initial rate and lower payments during the early years of the loan.

That can be worth exploring for buyers with shorter-term goals or those who may not plan to keep the loan long-term. The right fit always depends on your full financial picture and future plans.

Reach out today to explore your options!

Member FDIC | NMLS # 407985 | Equal Housing Lender

05/26/2026

Everyone wants to label this market as either “buyer” or “seller”… but right now, it’s more nuanced than that.

Inventory has improved. Buyers have more choices. Homes may be taking longer to sell in some areas. Yet well-priced, well-presented homes are still moving quickly.

The real advantage today isn’t about waiting for the “perfect” market—it’s about being prepared and having the right strategy for your goals.

If you’re wondering where you fit in today’s market, guidance can make all the difference. 🏡

Market conditions vary by location, price range, and property type, and are subject to change. For informational purposes only and not a commitment to lend or guarantee of loan approval.

To read more, head to our Learning Center: https://www.centralbank.net/learning-center/homeownership/buying/your-guide-to-buying-your-first-home/

Member FDIC | NMLS # 407985 | Equal Housing Lender

05/25/2026

Happy Memorial Day! In observance of the holiday, our offices are closed today, Monday 5/25. In the meantime, feel free to DM me and I'll get back to you ASAP!

05/21/2026

A changing market calls for creative solutions. One option some buyers are exploring is a temporary rate buydown—designed to lower the interest rate for an introductory period on eligible loans.

In certain transactions, seller or builder concessions may be used toward the buydown cost, subject to guidelines and approval.

Every scenario is different, which is why personalized guidance matters.

Member FDIC | NMLS # 407985 | Equal Housing Lender

05/19/2026

Thinking about renovating? Not every project delivers the same return. Some upgrades look great, while others may have stronger impact on future resale value.

Improvements many buyers notice most often include updated kitchens, refreshed bathrooms, paint, flooring, and strong curb appeal. Just as important is having a smart plan for how those projects are financed.

We’re seeing more homeowners consider using available equity to make focused upgrades that support their goals. The best path depends on your timeline, budget, and overall financial picture.

The smartest renovations aren’t just about design—they’re about strategy.

For more, head to our Learning Center: https://www.centralbank.net/learning-center/homeownership/investing/some-renovation-projects-are-better-than-others-at-recouping-costs/

Market conditions vary by location, price range, and property type, and are subject to change. For informational purposes only and not a commitment to lend or guarantee of loan approval.

Member FDIC | NMLS # 407985 | Equal Housing Lender

05/14/2026

Buying a home may be closer than you think. For qualified borrowers, an FHA loan can offer a lower down payment option and a more flexible path to homeownership than many people expect.

It’s a popular option for many first-time buyers, but the right loan always depends on your full financial picture and long-term goals.

Questions about whether FHA could be a fit for you? Reach out today!

Member FDIC | NMLS # 407985 | Equal Housing Lender

Address

5701 N May Avenue
Oklahoma City, OK
73112

Website

https://www.centralbank.net/rayhernandez/

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