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.

11/03/2026

You’re not just buying a home—you’re buying a space where the holidays feel magical.

From hosting family gatherings to cooking recipes passed down for generations, a home is where unforgettable memories are made.

If the holidays are inspiring your homeownership journey, send me a message! Let’s make those dreams a reality.

Member FDIC | NMLS # 407985 | Equal Housing Lender

11/02/2026

There’s no place like home for the holidays!

If a new home or a refinance is on your wish list, there may be a little something extra waiting for you.

Eligible borrowers may receive a:

$500 LENDER CREDIT
when purchasing or refinancing with a qualifying secondary market mortgage product.

Lock your eligible loan between November 1 and December 31, 2026.📅

Whether you're ready to make a move or simply want to explore your options, send me a message and let’s talk!

Member FDIC | NMLS # 407985 | Equal Housing Lender

10/31/2026

👻 Happy Halloween! Whether you're dressing up or enjoying some sweet treats, I hope your day is filled with fun and laughter! 🎃

10/28/2026

Navigating the mortgage process can raise a lot of questions.

Choosing a mortgage lender isn’t always just about the rates; it’s about finding someone who will support you and fight for your needs.

That's what you'll get working with me. I promise my clients a constant flow of communication, so you’ll never feel left in the dark about what’s happening.

DM me today and start asking away!

Member FDIC | NMLS # 407985 | Equal Housing Lender

10/20/2026

Imagine being a homeowner this fall 🍂

Now is a great time to buy a home, and I'd love to help you through the process. DM me with any questions you may have!

Member FDIC | NMLS # 407985 | Equal Housing Lender

10/15/2026

Buying a home in Fayetteville? You may have a little extra help available. 🏡

Eligible buyers may qualify for up to $1,500 through the Home Turf Loan Program to help with eligible down payment, closing costs, or prepaid expenses.

If upfront costs are one of the things making you hesitate, it may be worth seeing whether this program could fit your situation.

If buying in Northwest Arkansas is on your radar this fall, reach out and I’d be happy to walk through the options with you.

https://www.centralbank.net/personal/home-loans/loan-types/home-turf-program/

Ray Hernandez | Mortgage Loan Officer | NMLS # 2379589
Member FDIC | NMLS # 407985 | Equal Housing Lender

10/14/2026

Saving for a house doesn't mean you can't celebrate the seasons!🍂🎃

Here are a few of my favorite ways to enjoy Fall while still keeping in mind your goal of homeownership.

For more ideas head to our Learning Center: https://www.centralbank.net/learning-center/budget-and-save/easy-budgeting/fall-fun-on-a-budget/

Member FDIC | NMLS # 407985 | Equal Housing Lender

10/12/2026

Our branches are closed today, October 12th, in observance of the federal holiday. If you have any mortgage inquiries, please message me, and I'll get back to you ASAP.

10/06/2026

A lot of the home buying process can feel out of your control. However, the most important elements are within your hands!

By choosing a dedicated loan officer like myself, you set yourself on a strong path to discovering the best options available. Focus your energy on the things you can control, and let’s make your home buying journey a positive experience!

Member FDIC | NMLS # 407985 | Equal Housing Lender

10/01/2026

Seller concessions can do more than just help with closing costs.

Depending on the loan program and how your financing is structured, they may be used toward a temporary 2-1 buydown, eligible closing costs and prepaids, or even a permanent rate buydown.

The best option really depends on your timeline, cash needed at closing, and long-term goals.

If you’re getting ready to make an offer, reach out to me before you write it. We can compare the options and see what may make the most sense for your situation.

Disclosure: Seller concessions are subject to loan program limits, eligible costs, transaction structure, and underwriting approval. Rates, terms, and availability are subject to change. Applicant subject to credit and underwriting approval. Not all applicants will qualify. Central Bank NMLS #407985. Member FDIC. Equal Housing Lender.

Ray Hernandez | Mortgage Loan Officer| NMLS # 2379589
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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