Scarlett Hernandez

Scarlett Hernandez

Branch Manager/VP, Mortgage Banker NMLS #1481186

4.94
47 reviews

Scarlett Hernandez has been helping homebuyers and homeowners with their financing needs for over 12 years. She offers a consultative approach when needed, guiding clients through the entire process to ensure their finances and credit reach qualifying standards.

With her knowledge and expertise, she finds the product and terms that are right for you, while ensuring the whole process unfolds in an easy and stress-free manner.

Whether you’re a first-time homebuyer looking to trade up, an experienced homeowner deciding to downsize, or simply wishing for a change, she can help make that next step as effortless as possible.

The financial aspects of home buying can seem stressful and overwhelming—but they don’t have to be—not with a trained and caring professional like Scarlett Hernandez in your corner.

To start making your homeownership dreams come true, contact Scarlett today at 978-387-4096 or email her at shernandez@totalmortgage.com

What my clients say

They were very friendly and helpful

Brenda L.

thelenderlist

Very responsive and all questions were answered promptly. We werr walked through the whole process, which made it easier to navigate.

Christopher W.

encompass

I had a great experience buying a house

Chris C.

encompass

She so helpfull

Ramona C.

encompass

Great service

Jovann R.

encompass

She was very professional during the whole process and always making sure to make the process as easy as possible and answering any questions we have. thank you Scarlett!

Angel G.

encompass

What made it great was the personalized compassionate knowledgeable process of purchasing a home.

Maria G.

encompass

Having Scarlett on my team was absolutely amazing. She was always straight to the point with information and had the best interest for me. Thanks to her I have my dream home and will definitely be recommending her to others!

Brian G.

encompass

Best service ever

Scarlyn P.

encompass

Scarlett nos ayudo en el proceso, desde el principio de como areglar mi credito y en la compra de nuestra casa, siempre buena comunicacion conmigo de verdad que le agradesco todo lo que hizo, para que mi sueño se haga realidad muchisimas gracias.

Anselma R.

manual

Your local expert

Wherever you're located, I'm here to help.

Mortgage Rates Illustration

Mortgage rates today

The current 30-year fixed mortgage rate is as low as 6.250%. Get a personalized quote in just a few minutes.

Above rates last updated December 29th 2025, 4:30pm EST.

Question Illustration

Have a question?

shernandez@totalmortgage.com

(978) 387-4096