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Real Estate & Finance

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California Bureau of Real Estate 02009074

National Mortgage Licensing System 1403204

70+ Banks Compete for Your Business

You Get The BEST Rates

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"One Stop Shop" Your Loan to 70+ Banks

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You Deserve Clarity and Simplicity

We Provide High Ethical Standards & Transparency

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System Speed Funding in as Little as 2 Weeks

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Competitive Bank Bids Means You Save Money

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Every Client is Unique

We Listen, Respond and Advocate For Your Needs.

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 Large Platform of Competing Banks Give You The Best Loan

Below are some banks in the Heirloom Home Network competing to save you money on your loan.

Network of Competing Banks

Click to Learn More About the Heirloom Home Network of Competing Banks 


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Heirloom Home

Broker License NMLS: 1403204  CA BRE: 02009074

CA Dept. Insurance: 0L88065





Mortgage Learning Center

Your Mortgage – Initial Document Review
Your Mortgage – Property Appraisal
Your Mortgage – Underwriting
Your Mortgage – Clear to Close CTC
Your Mortgage – Credit Scores
Your Mortgage – Mortgage Insurance
Jumbo Mortgage
Adjustable Rate Mortgage (ARM) Options
Adjustable Rate Mortgage (ARM) Timeline
Conventional Mortgage Only 1 % Down 
Conventional Mortgage 1 % = Latte/Day
Conventional Mortgage Only 3 % Down
Easy Online Mortgage Loan Application
FHA 3.5 % Down
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Home Purchase Mortgage Myths
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Broker Vs Bank: Shop Rates To Save You $
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Broker Vs Bank: Options Continued

Featured Loans

Conventional Loans

The classic low cost home funding option. Available in both fixed and adjustable rate plans.


FHA Loans

Including FHA (203H) Disaster Loans. The Federal Housing Administration (FHA), is a U.S. government agency that provides financing options that only require a minimum of a 3.5% down payment.  FHA (203H) Disaster Loans however are eligible for 100% Financing.

Jumbo Loans

Today, many homes require loans that exceed conforming loan limit amounts. Jumbo loans are a popular way to secure financing up to $625,500 with only a 10% down payment.

Super Jumbo Loans

Many home loans easily exceed the Jumbo Loan upper limit amount of $625,500 and require the financing strength provided by Super Jumbo Loans.

VA Loans

The United States Veterans Administration (VA) provides up to 100% financing for homes as a benefit to veterans.

USDA Loans

The U.S. Department of Agriculture’s (USDA) Rural Development Guaranteed Housing Loan program offer loans with up to 100% financing at rates below market and reduced mortgage insurance premiums with low credit score requirements.

Reverse Loans

A reverse mortgage or Home Equity Conversion Mortgage (HECM) is a type of home loan for older homeowners (62 years or older) that does not require the borrower to make monthly mortgage payments.

Private Equity Loans

Private Equity loans are based on the equity value of the property being put up for collateral and not on a borrower’s credit rating.

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Heirloom Home

CA Dept Real Estate: 02009074  NMLS: 1403204

CA Dept. Insurance: 0L88065


Equal Housing Lender

    Heirloom Home

Heirloom Home is a Licensed Broker under the:

CA Dept. Real Estate: 02009074

NMLS ID: 1403204

Aumplex Corporation NMLS: 1829222.

CA Dept. Insurance: 0L88065

1749 Arlington Blvd. El Cerrito, CA 94530

Heirloom Home Office Hours: M-F 9AM to 5PM Pacific Standard Time


National Mortgage Licensing System


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Borrower Conditional Approval is issued only when lender underwriting supplies a written clearance to do so. Borrower Conditional Approvals are conditional, not guaranteed and subject to lender review of all borrower information.  The final funding of the loan is dependent upon all borrower conditions being met. Rates indicated are subject to market changes and may only be available to certain qualified borrowers. Heirloom Home is an Equal Opportunity Real Estate, Mortgage & Insurance Broker.

Heirloom Home : NMLS 1403204, BRE 02009074, CA Dept Insurance 0L88065 Aumplex Corporation NMLS: 1829222.