Ray Hernandez

Ray Hernandez

AVP, Mortgage Loan Originator

NMLS# 2379589

4.96
Ray Hernandez

Ray Hernandez

Apply With Ray

About Me

"An investment in knowledge pays the best interest" - Benjamin Franklin.

Ray couldn’t have said it better himself.

When it comes to your mortgage, the more you know, the better it is. Ray’s knowledge is extensive, and he loves putting it to work for you. He’s been in mortgage lending since 2012 and is a member of the Mortgage Bankers Association - Education Network Committee, Legal Issues and Regulatory Compliance Committee, the Hispanic Chamber of Commerce and Latino Community Development Agency as well as the Neighborhood Housing Services and Community Action Agency.

What does all that mean for you?

Ray eats, sleeps and breaths mortgage. And does it in two languages.

He’s completely fluent in English and Spanish and has worked with Spanish speaking borrowers for years. He’ll sit down with you, go over your options, and explain what needs to happen, each step of the way.

Talk to Ray today. He’s invested in mortgage knowledge. And you.

Homebuyer Stories

Ray's Customer Reviews

4.96
  • December 2025
    As first time buyers, there were a lot of things that were new and very confusing for us. Raymundo went above and beyond to explain every step of the process. He also bent over backwards to work out things so we could get into our house sooner so we didn't have to find another place to stay after our lease was expired.
    Carilyn M.
  • November 2025
    Working with Raymundo was a wonderful experience. He is amazing at his job and goes above and beyond for his clients. His dedication and genuine care for people sets him apart. You can definitely feel how much effort he puts into making the loan process easy, smooth and stress-free. I 100% recommend him.
    Diana R.
  • November 2025
    He explained everything. He is sound knowledge about mortagage. Thank u somuch ray
    Venkata C.
  • November 2025
    We went to a different bank to begin with and had a very bad experience even though we have great credit score along with a house thats paid off and another rental property. Ray helped us a lot after switching the process over to him and got the situation possible. We highly recommend him
    Gauthami C.
  • October 2025
    Raymundo webt went above and beyond fir me he always fond a way to make things work I know my loan was different a difficult and he made it work and. I am finally a home owner ! THANK YOU RAY
    Noemi B.
  • October 2025
    Fue muy rápido el proces.
    Catalina M.
  • October 2025
    Everything was explained and made the whole process a lot less stressful than what it would trying to do this alone.
    Jaime T.
  • October 2025
    Frim the first time a talk to Raymundo i never expect to be approve but he told me a lot ways to get approved and now i own my first house I'm really happy and excited thanks to Raymundo and Central Bank
    Jose R.

You're Home - Our Mortgage App

Make your mortgage easy. With the You’re Home mortgage app from Central Bank, staying on top of your mortgage is simpler than ever. Find all the information you need regarding the process of your loan, all in one central location, right at your fingertips.

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