Headshot of Efren Bravo Hernandez

Efren Bravo Hernandez

Loan Officer

Lakeside Park, KY Mortgage Lender

NMLS #1673113

2120 Chamber Center Drive
Lakeside Park, KY 41017
Contact Methods
mobile Mobile
(859) 866-2267
fax Fax


About Efren

I was recruited by Gale Grant in 2020 and have enjoyed helping clients find their forever homes ever since! Nothing is more important than helping you secure the home of your dreams. I speak fluent Spanish and English and want to deliver a truly personal home financing experience. From application to closing, I’ll always be by your side to help.

When it comes to finding the right home financing for you, I start by listening. We’ll discuss your goals and priorities to find the product that fits your needs. I offer a wide range of loans, from conventional and jumbo to FHA and VA. Together, we’ll develop a mortgage plan just for you.

When I’m not in the office, I love spending time with my family, going on adventures, or doing art projects. I was born in Michoacan, Mexico, and have called Northern Kentucky home since age seven. I graduated from Northern Kentucky University with a Bachelor of Science in Finance.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
The kitchen of a new homeowner

Buying now means saving later

Don't fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you'll save upfront and thousands down the line.

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*For full terms and conditions, visit ccm.com/buynowrefilater.

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Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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