Kristi Hernandez, NMLS # 246852 - Mid America Mortgage Inc. NMLS 150009

Kristi Hernandez, NMLS # 246852  - Mid America Mortgage Inc. NMLS 150009

Local lender, hear to help you with your buying, and refinancing needs. Equal Housing Lender At any given time, people are looking for a cozy space to call "home."

I love helping people with that. 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.

Operating as usual

Timeline Photos 12/05/2021

Using a local lender is always the best option and here's why πŸ‘‡πŸ»

⚫️ If you're working with a local company, chances are, they understand how important it is to make an excellent first impression so that you'll refer them to your friends and family. Personal service will become much more common. β €

⚫️ A local lender will have a better understanding of what is going on in your area. It allows for a more streamlined process and more accurate loan information.

⚫️ If you're working with a lender on the other side of the country, the time difference can make it difficult for all parties to communicate effectively. Having an accessible lender will make your life so much easier.

Were you looking for a local lender to help you get your loan process started?

β β πŸ“ž Kristi Hernandez, NMLS # 246852
(832) 331-1685

#lender #locallender #localloanlender #Houstonlender #mortagesquestion #credit #mortgages #loanofficer #realestate #homeowners #Houston #realestateagent #midamericamortgage #homeloan #homeownership #homebuyingprocess #midamericamortgage #property

Using a local lender is always the best option and here's why πŸ‘‡πŸ»

⚫️ If you're working with a local company, chances are, they understand how important it is to make an excellent first impression so that you'll refer them to your friends and family. Personal service will become much more common. β €

⚫️ A local lender will have a better understanding of what is going on in your area. It allows for a more streamlined process and more accurate loan information.

⚫️ If you're working with a lender on the other side of the country, the time difference can make it difficult for all parties to communicate effectively. Having an accessible lender will make your life so much easier.

Were you looking for a local lender to help you get your loan process started?

β β πŸ“ž Kristi Hernandez, NMLS # 246852
(832) 331-1685

#lender #locallender #localloanlender #Houstonlender #mortagesquestion #credit #mortgages #loanofficer #realestate #homeowners #Houston #realestateagent #midamericamortgage #homeloan #homeownership #homebuyingprocess #midamericamortgage #property

Things To Look Out For When Buying An Older Home :: Kristi Hernandez's Mortgage Blog 12/04/2021

Things To Look Out For When Buying An Older Home :: Kristi Hernandez's Mortgage Blog

An old house is not a wrong decision if you know what to look for before buying a home. πŸ€—

I have prepared a list of things to look out for you; read it in my article.

https://kristihernandez.midamericamortgage.com/2021/10/22/things-to-look-out-for-when-buying-an-older-home/

β β πŸ“ž Kristi Hernandez, NMLS # 246852
(832) 331-1685

Follow me for more helpful information about real estate, loans, and homeownership 😌

#oldhouse #oldhome #sellinghome #mortgages #sellinghouse #loanofficer #homebuyingprocess #midamericamortgage #property #homeloan #homeownership #realestate #home #homeowners #Houston #realestateagent

Things To Look Out For When Buying An Older Home :: Kristi Hernandez's Mortgage Blog Are you planning to purchase an old home? Old houses tend to cost less than modern builds. Additionally, if you’re the type of person who appreciates the nostalgic appeal and charm of an older home, then this will be a gratifying choice for you. Although older houses bring undeniable historical ch...

Timeline Photos 12/03/2021

Saving for a down payment can be both daunting and exciting! Keep in mind that you're working towards a big goal. πŸ”‘

Here are some quick tips to get you started on your savings journey. The most important thing to remember is to not deprive yourself of all of the things that make you happy. It all comes down to setting realistic goals and staying consistent.

Do you have any questions or require more in-depth assistance? Please get in touch with me; I would be delighted to assist.

πŸ“ž Kristi Hernandez, NMLS # 246852
(832) 331-1685

#homeimprovement #hometips #renovation #construction #homerepairs #mortgages #sellinghouse #loanofficer #homebuyingprocess #realestate #home #homeowners #Houston #realestateagent #midamericamortgage #property #homeloan #homeownership #downpayments

Saving for a down payment can be both daunting and exciting! Keep in mind that you're working towards a big goal. πŸ”‘

Here are some quick tips to get you started on your savings journey. The most important thing to remember is to not deprive yourself of all of the things that make you happy. It all comes down to setting realistic goals and staying consistent.

Do you have any questions or require more in-depth assistance? Please get in touch with me; I would be delighted to assist.

πŸ“ž Kristi Hernandez, NMLS # 246852
(832) 331-1685

#homeimprovement #hometips #renovation #construction #homerepairs #mortgages #sellinghouse #loanofficer #homebuyingprocess #realestate #home #homeowners #Houston #realestateagent #midamericamortgage #property #homeloan #homeownership #downpayments

Timeline Photos 12/02/2021

#Quote to reflect on your values ​​in life ✨

Share this with someone, who needs to know about it πŸ™ŒπŸ»

πŸ“ž Kristi Hernandez, NMLS # 246852
(832) 331-1685

#realestate #quoteoftheday #Houston #quotes #inspiration #motivation #homeowners #deposit #homeloan #midamericamortgage #property #home #homebuying #mortgages #mortgage

#Quote to reflect on your values ​​in life ✨

Share this with someone, who needs to know about it πŸ™ŒπŸ»

πŸ“ž Kristi Hernandez, NMLS # 246852
(832) 331-1685

#realestate #quoteoftheday #Houston #quotes #inspiration #motivation #homeowners #deposit #homeloan #midamericamortgage #property #home #homebuying #mortgages #mortgage

Home Prices Keep Rising :: Kristi Hernandez's Mortgage Blog 12/02/2021

Home Prices Keep Rising :: Kristi Hernandez's Mortgage Blog

Why shouldn't you delay buying a house?

According to analysts, there was a faster annual price increase in September compared to the previous months. Real estate prices are growing every month – more info in the article below.

http://ow.ly/W9u750H0YJA

DM me to book a FREE consultation today πŸ“©β β 

πŸ“ž Kristi Hernandez, NMLS # 246852
(832) 331-1685

#estateprice #pricegrowing #house #home #homeowners #Houston #realestateagent #mortgages #sellinghouse #loanofficer #homebuyingprocess #midamericamortgage #property

Home Prices Keep Rising :: Kristi Hernandez's Mortgage Blog The median home price for single-family properties and condos has increased to $294,488. And since the pandemic hit in March of 2020, there’s been significant property appreciation across the board, with home values increasing, on average, by more than $41,000, according to the latest report from ...

Timeline Photos 11/26/2021

Tips for Getting a Mortgage in 2021

πŸ”‘ Underwriting is the process of verifying an applicant's financial information to grant a loan. Given the state of the housing market, some lenders offer upfront underwriting, which is a benefit worth pursuing. In recent months, many home purchase offers have been subject to bidding wars, so that upfront underwriting could give you a significant advantage. It may also save you money if a seller chooses to accept your offer before entertaining others.

πŸ”‘ Conventional loan repayment terms are typically 30 years, but you must save up for a down payment and fees paid upon signing the mortgage. Lenders, for example, are more likely to approve your application if you can afford a down payment equal to 20% of the prospective property's value. It is also the bare minimum required to avoid having to pay for private mortgage insurance.

Getting a mortgage can be stressful. It matters who you work with.
πŸ“ž (832) 331-1685 – call me, and it would be my pleasure to make everything easier.

#hometips #mortagesquestion #credit #mortgages #loanofficer #realestate #homeowners #Houston #realestateagent #midamericamortgage #homeloan #homeownership #homebuyingprocess #midamericamortgage #property

Tips for Getting a Mortgage in 2021

πŸ”‘ Underwriting is the process of verifying an applicant's financial information to grant a loan. Given the state of the housing market, some lenders offer upfront underwriting, which is a benefit worth pursuing. In recent months, many home purchase offers have been subject to bidding wars, so that upfront underwriting could give you a significant advantage. It may also save you money if a seller chooses to accept your offer before entertaining others.

πŸ”‘ Conventional loan repayment terms are typically 30 years, but you must save up for a down payment and fees paid upon signing the mortgage. Lenders, for example, are more likely to approve your application if you can afford a down payment equal to 20% of the prospective property's value. It is also the bare minimum required to avoid having to pay for private mortgage insurance.

Getting a mortgage can be stressful. It matters who you work with.
πŸ“ž (832) 331-1685 – call me, and it would be my pleasure to make everything easier.

#hometips #mortagesquestion #credit #mortgages #loanofficer #realestate #homeowners #Houston #realestateagent #midamericamortgage #homeloan #homeownership #homebuyingprocess #midamericamortgage #property

Timeline Photos 11/25/2021

5 Ways to Boost Your Home Value

🏑Tend your value
🏑Re-seal your deck and other wood features
🏑Check windows and doors for cracks
🏑Spruce it up with fresh paint
🏑Inspect your roof for wear and tear

DM me to book a FREE consultation today πŸ“©β β 
⁠⁠
πŸ“ž Kristi Hernandez
(832) 331-1685

Follow me for more useful tips about real estate, loans, and homeownership @kristihernandez000 😌

#Thanksgiving #homeimprovement #hometips #renovation #construction #homerepairs #mortgages #sellinghouse #loanofficer #homebuyingprocess #realestate #home #homeowners #Houston #realestateagent #midamericamortgage #property #homeloan #homeownership

5 Ways to Boost Your Home Value

🏑Tend your value
🏑Re-seal your deck and other wood features
🏑Check windows and doors for cracks
🏑Spruce it up with fresh paint
🏑Inspect your roof for wear and tear

DM me to book a FREE consultation today πŸ“©β β 
⁠⁠
πŸ“ž Kristi Hernandez
(832) 331-1685

Follow me for more useful tips about real estate, loans, and homeownership @kristihernandez000 😌

#Thanksgiving #homeimprovement #hometips #renovation #construction #homerepairs #mortgages #sellinghouse #loanofficer #homebuyingprocess #realestate #home #homeowners #Houston #realestateagent #midamericamortgage #property #homeloan #homeownership

Things To Keep In Mind When Making An Offer On A Home :: Kristi Hernandez's Mortgage Blog 11/24/2021

Things To Keep In Mind When Making An Offer On A Home :: Kristi Hernandez's Mortgage Blog

How to Make the Best Offer for a Home?

Being ready for all of the difficulties will help you save your time and mental health. These tips will help you beat the competition without overpaying. πŸ‘‡πŸ»

https://kristihernandez.midamericamortgage.com/2021/11/05/things-to-keep-in-mind-when-making-an-offer-on-a-home/

Follow @kristihernandez000 for more useful content πŸ™ŒπŸ»

#homeownership #homedecor #equity #realestate #luxurylisting #homebuyers #mortgagebroker #firstimehomebuyer #homeforsale
#investing #realestate #value #income #homeownership #borrowers

Things To Keep In Mind When Making An Offer On A Home :: Kristi Hernandez's Mortgage Blog When it comes to buying a house, you’re looking for the perfect place to call home. The problem is, in today’s market there just aren’t that many homes available to purchase. With inventory hovering near record lows and sky-high buyer demand, a multi-offer scenario is the new normal. Here are ...

Timeline Photos 11/23/2021

On the eve of Thanksgiving Day, I want all of us to be grateful for every day and every moment we spend with people we love.

Your Kristi Hernandez and Hernandez Home Team. ❀️

#Thanksgiving #quote #quoteoftheday #Tuesdayquote #thanksgiving2021 #turkeyday #Houston #quotes #inspiration #motivation #homeowners #deposit #homeloan #midamericamortgage #property #home

On the eve of Thanksgiving Day, I want all of us to be grateful for every day and every moment we spend with people we love.

Your Kristi Hernandez and Hernandez Home Team. ❀️

#Thanksgiving #quote #quoteoftheday #Tuesdayquote #thanksgiving2021 #turkeyday #Houston #quotes #inspiration #motivation #homeowners #deposit #homeloan #midamericamortgage #property #home

Should You Buy A Bigger Home? :: Kristi Hernandez's Mortgage Blog 11/22/2021

Should You Buy A Bigger Home? :: Kristi Hernandez's Mortgage Blog

Buying a bigger house doesn’t just mean having more space for all of your stuff.

I can help you buy a house and give advice on deciding if you need a big house. Here are 3 reasons you should think about before making the move to a larger home.

https://kristihernandez.midamericamortgage.com/2021/10/14/should-you-buy-a-bigger-home/

DM me to book a FREE consultation today πŸ“©β β 
⁠⁠
πŸ“ž Kristi Hernandez, NMLS #246852
(832) 331-1685

#home #creditrepairservices #money #homegoals #mortgagelender #business #mortgage #investment #finance #financialfreedom #credittips #goodcredit #realestate #debtfree #homebuying

Should You Buy A Bigger Home? :: Kristi Hernandez's Mortgage Blog If you have always wanted to live in a bigger home, then you may be wondering when the right time is for you to move. Bigger homes are more expensive and require more maintenance. However, you may be at a point in your life financially where you’re ready for a bigger place. Here are some […]

Timeline Photos 11/21/2021

Do You Need Great Credit to Get a Mortgage?

It is one of the frequently asked mortgage questions. And today, I want to answer it.

You don't have to be the perfect creditor, but it would certainly help. A conventional mortgage can be obtained with a FICO credit score as low as 620, and a higher-cost FHA mortgage can be obtained with a score in the 500s.

However, keep in mind that the lower your credit score, the higher your interest rate. πŸ“ˆ

LIKE this post if it was useful πŸ’Œ
Follow me for more helpful information about real estate, loans, and homeownership @kristihernandez000 😌

#mortagesquestion #credit #mortgages #loanofficer #realestate #homeowners #Houston #realestateagent #midamericamortgage #homeloan #homeownership #homebuyingprocess #midamericamortgage #property

Do You Need Great Credit to Get a Mortgage?

It is one of the frequently asked mortgage questions. And today, I want to answer it.

You don't have to be the perfect creditor, but it would certainly help. A conventional mortgage can be obtained with a FICO credit score as low as 620, and a higher-cost FHA mortgage can be obtained with a score in the 500s.

However, keep in mind that the lower your credit score, the higher your interest rate. πŸ“ˆ

LIKE this post if it was useful πŸ’Œ
Follow me for more helpful information about real estate, loans, and homeownership @kristihernandez000 😌

#mortagesquestion #credit #mortgages #loanofficer #realestate #homeowners #Houston #realestateagent #midamericamortgage #homeloan #homeownership #homebuyingprocess #midamericamortgage #property

Upgrades You Should Make Before Listing Your Home :: Kristi Hernandez's Mortgage Blog 11/20/2021

Upgrades You Should Make Before Listing Your Home :: Kristi Hernandez's Mortgage Blog

Have you decided to list your house? There is no hurry with this. Find out how to sell a home more profitably in the article below. βœ”οΈ

https://kristihernandez.midamericamortgage.com/2021/10/07/upgrades-you-should-make-before-listing-your-home/

Save this post for later 🌸

#listinghome #sellinghome #mortgages #sellinghouse #loanofficer #homebuyingprocess #midamericamortgage #property #homeloan #homeownership #realestate #home #homeowners #Houston #realestateagent

Upgrades You Should Make Before Listing Your Home :: Kristi Hernandez's Mortgage Blog One of the biggest things that you can do to sell your home is make it stand out, and that can be done by upgrading your home. Here are a few home improvement projects that will give your house a facelift before you put it on the market. Update Cabinets It can be expensive to […]

Timeline Photos 11/19/2021

Let me help you find the key to your own happiness. 🏑

DM me to book a FREE consultation today πŸ“©β β 

β β πŸ“ž Kristi Hernandez, NMLS # 246852
(832) 331-1685

Follow me for more helpful information about real estate, loans, and homeownership @kristihernandez000 😌

#optimism #realestate #quoteoftheday #Houston #quotes #inspiration #motivation #homeowners #deposit #homeloan #midamericamortgage #property #home #homebuying #mortgages

Let me help you find the key to your own happiness. 🏑

DM me to book a FREE consultation today πŸ“©β β 

β β πŸ“ž Kristi Hernandez, NMLS # 246852
(832) 331-1685

Follow me for more helpful information about real estate, loans, and homeownership @kristihernandez000 😌

#optimism #realestate #quoteoftheday #Houston #quotes #inspiration #motivation #homeowners #deposit #homeloan #midamericamortgage #property #home #homebuying #mortgages

In the Know :: Kristi Hernandez - Houston 11/18/2021

In the Know :: Kristi Hernandez - Houston

A house is far too large a financial investment to make the wrong decision here. I broke down the pros and cons of building a house to help you make the best decision for you and your budget.πŸ‘‡πŸ»

https://kristihernandez.midamericamortgage.com/blog/

DM me to book a FREE consultation today πŸ“©β β 
⁠⁠
πŸ“ž Kristi Hernandez
(832) 331-1685

Follow me for more useful tips about real estate, loans, and homeownership @kristihernandez000 😌

#equity #homeequity #home #security #homesecurity #homeowners #Houston #realestateagent #mortgages #sellinghouse #loanofficer #homebuyingprocess #midamericamortgage #property #homeloan #homeownership #realestate

In the Know :: Kristi Hernandez - Houston - Your Local Home Loan Expert!

Our Story

Disclaimer: Mid America Mortgage, Inc., is an Equal Housing Lender. Some products and services may not be
available in all states. Credit and collateral are subject to approval. Terms and
conditions apply. This is not a commitment to lend. Programs, rates, terms and
conditions are subject to change without notice.

Videos (show all)

Kristi_KM8.mp4
Kristi_KM7.mp4
Kristi_KM5.mp4
Kristi_KM6.mp4
Kristi_KM3.mp4
Kristi_KM1.mp4
Kristi_KM2.mp4
The importance of being pre-qualified by a local lender
Self Employed Borrower | Mortgage 101 by Kristi Hernandez

Telephone

Address


17280 West Lake Houston Pkwy
Humble, TX
77346

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm
Other Mortgage Brokers in Humble (show all)
Bryan Neal Loan Officer Bryan Neal Loan Officer
7702 Farm To Market 1960 Rd E, Suite 220
Humble, 77346

We are here to serve you with all of your mortgage needs. FHA, USDA, VA, Conventional Loans. NMLS: 1228088 Branch NMLS: 1436366

Travis Spencer with AmCap Home Loans Travis Spencer with AmCap Home Loans
20665 W. Lake Houston Parkway
Humble, 77346

Travis Spencer, NMLS# 1044093 Loan Originator | AmCap Home Loans 20665 W. Lake Houston Parkway, Kingwood, TX 77346 Phone: 832-948-8774 Email: [email protected] Web: travisspencer.org

Kimberly Coreas NMLS #1133362 Kimberly Coreas NMLS #1133362
Humble

VP of Mortgage Lending at Guaranteed Rate I Guaranteed Rate NMLS #2611, LO NMLS #1133362, TX. Equal

Teresa Pentecost Sells Homes in Houston Teresa Pentecost Sells Homes in Houston
1960 East Suite 104
Humble, 77346

Here you will find Amazing Homes in Houston and much more! Need assistants buying or selling a home? Contact Teresa Pentecost today at 281.468.7426. 30 Year Veteran, Real Estate Professional

Thomas Anderson Company Thomas Anderson Company
Humble, 77338

Moblie Tax Service " We come to you so, you can procrastinate."

Humble RMLO NMLS ID 230663 - Mortgage Financial Services Humble RMLO NMLS ID 230663 - Mortgage Financial Services
7820 FM 1960 East, Suite 201
Humble, 77346

Mortgage Financial Services is a full-service mortgage company with one goal in mind, helping consumers accomplish their home financing goals.

Neal Davis - Kingwood - Mid America Mortgage NMLS # 213826 Neal Davis - Kingwood - Mid America Mortgage NMLS # 213826
1521 Green Oak Place, Suite 102
Humble, 77339

With over 35 years in the finance industry, I can provide you with a wealth of knowledge to assist you in all aspects of real estate financing. NMLS #213826

My Texas Loans My Texas Loans
Humble, 77346

Independent Bank is now Independent Financial Independent Bank is now Independent Financial
1515 FM 1960 Bypass East
Humble, 77338

Jane Holmes Realtor at Jane Byrd Properties International Jane Holmes Realtor at Jane Byrd Properties International
Jane Byrd Properties International, 373 1/2 W 19th St
Humble, 77008

Jane Holmes welcomes the opportunity to help you with buying or selling a home. Jane will be there to guide and support you through every step of the way!

Nathon Cassell - NLC Loans #1082883 Nathon Cassell - NLC Loans #1082883
Humble, 77346

A home is typically a family’s largest financial decision, and it should be treated with careful consideration.At Nations Lending we put our customer first