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Making Homeownership Dreams Come True One Loan at a Time
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About me

I'm Ricky Hernandez, a dedicated bilingual mortgage loan officer with Guild Mortgage in The Woodlands, TX. I’ve helped countless families achieve their dream of homeownership by providing personalized mortgage solutions tailored to their unique needs. I proudly serve The Woodlands, surrounding areas, and clients across Texas, offering expert guidance every step of the way.

I strive to exceed expectations and help more families achieve their homeownership goals.

I specialize in FHA, VA, and conventional loan programs, as well as down payment assistance programs that make homeownership more accessible. Beyond my work, I genuinely enjoy giving back and helping my community by providing education and resources to empower individuals on their path to homeownership.

Let’s work together to make your homeownership goals a reality with a seamless and stress-free experience.

Let's find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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Home equity insights

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.
4.93 out of 5.0 stars
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4.9
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5.0
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4.8
Nicole C.
Nov 2, 2025
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Had a great experience with Guild. Our loan officer Ricky was very knowledgeable and answered questions timely. His mort...See more
Shalacurt m.
Nov 2, 2025
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The best lender i know i am referring everybody i know or hear that needs help to him. There was hope for me, he found i...See more
Lakisha W.
Nov 2, 2025
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“Working with Ricky and the Guild Mortgage team was seamless! Communication was clear, updates were timely, and the proc...See more
Eduardo
Nov 2, 2025
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Thank you Ricky for all your support
Eduardo
Nov 2, 2025
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Great service. Thank you Ricky for all
Maria
Nov 3, 2025
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Great experience over all

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Awards

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Causes & Memberships

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NMLS ID #2230781

I am authorized to do business in the states of Florida and Texas.

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