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Ricky Hernandez

Loan Officer

NMLS# 2230781

9595 Six Pines Drive, Suite 6200,
The Woodlands, TX 77380

(832) 509-7938

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Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

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.

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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.

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don't have a large down payment saved up though, don't worry. We have Conventional loan options for down payments as low as 3%.

Down payment assistance

If you're purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.

VA

If you're an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you'll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.

4.95 out of 5.0 stars

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Maria

Nov 3, 2025

Great experience over all

Shalamar

Oct 2, 2025

Mr. Hernandez came in and did an extremely good job and helped me become a home owner. I am not someone who is well off ...See more

Shalacurt m.

Oct 4, 2025

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

Michael

Sept 2, 2025

Ricky Hernandez was great and worked diligently and was able to provide answers for all our questions.

Christopher

Sept 6, 2025

Muy amable persona, atendió todas mis dudas y respuestas es súper súper amable y jamás se molesta si le haces un millón ...See more

Nicole C.

Sept 1, 2025

Had a great experience with Guild. Our loan officer Ricky was very knowledgeable and answered questions timely. His mort...See more

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NMLS ID #2230781

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