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Melanie Hernandez

Melanie Hernandez

Loan Officer

81 Blue Ravine Rd., Suite 125, Folsom, CA 95630
Own what matters
Own what matters

About Me

Thanks for visiting my page! I know buying a house is a very big step in life and I want this process to be memorable for the right reasons. Whether you’re moving from far or staying local, a first-time homebuyer or a seasoned homeowner, I look forward to helping you through the lending process. I am passionate about educating my clients to ensure they are confident from start to finish and beyond. I will take the time to go through your financing options and help you consider your current needs and future goals.  

Early 2019 we made the decision to move our family from California to Tennessee and we love everything this region has to offer.  Living just outside of Chattanooga, I can personally help with home loan needs in Tennessee, Georgia, and California. I know how it feels to move across the country and navigate all that comes with it. I promise that I will be your biggest supporter. 

Weekends & down time you can find me camped out at baseball tournaments for our son or cuddling with our two very large Great Danes. Each year I volunteer and support the Wreaths Across Chattanooga mission to honor our Heroes at the Chattanooga National Cemetery. I donate to this foundation for each transaction I am a part of. 

Bonus: When you work with me, you also get access to the business partners that I’ve built relationships with & trust. It’s more than just me!  

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5.0 out of 5.0 stars
Rhonda H
Aug 22, 2023

Melanie is an outstanding loan offers. From day one she goes above and beyond and always communicates well!
Aug 21, 2023

Melanie is an outstanding loan officer. From the first day her communication has been outstanding and she goes above and beyond to make the process as smooth as possible!
Mar 02, 2022

So many awesome things to say about Guild and Melanie. We met her at an open house and she was more than happy to help us get everything in place before looking at homes. Once we were ready she walked us through every step. Our first home purchase was stressful but she was always a call away to help explain or even calm fears! 1yr later we sold that home and started looking for another one and she was right there with us updating all of our information and giving advice on how to get the best rates for our new home. Again she was there to talk us off the ledge when we were stressed and worried. She was always working in the background to get us the best loan! We HIGHLY recommend Melanie with Guild Mortgage!! She helped our daughter with her first home as well. We've spent so much time with her over the past year that she is not only our loan officer she is our friend! Guild has a goldmine in this lady! We love Melanie!
Jun 28, 2021

Melanie was very knowledgeable and helpful throughout the escrow process. She explained each step and what documentation was required from us. She was always accessible to answer all of our question along the way. The entire loan process was predictable and easier due to her experience and ability. She was a pleasure to work with and we will recommend her wholeheartedly.
Feb 05, 2021

Melanie was wonerfull to work with very informative on everything and a real good at what she does
Dec 01, 2020

Melanie is a terrific professional and is able to translate the complicated loan process into steps for the lay person that are easy to understand and follow. Usually loans or refinancing are stressful but Melanie ran the process so smoothly it was actually enjoyable. Who knew loans could be fun???

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Causes I'm
passionate about

NMLS ID #1123364
I am authorized to do business in the states of California, Georgia and Tennessee. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;