Heritage Fund Realty & Investments

Mortgage Lender serving Hayward, CA

About Heritage Fund Realty & Investments

Heritage Fund Realty and Investments is a California-based firm primarily serving the Bay Area. Operating with both a Real Estate Broker license (CA DRE #01820819, issued in 2005) and a Nationwide Multistate Licensing System (NMLS #992657), the company functions as a comprehensive resource for homebuyers, sellers, and investors, offering both real estate agent services and diverse mortgage solutions.

The company specializes in a variety of loan programs, including purchase money, refinance, and investment property financing. A significant focus is placed on assisting first-time homebuyers and individuals with less-than-perfect credit, providing services like free credit repair and offering tailored loan options to fit unique financial situations. They also cater to investors with solutions for 1-4 unit residential and commercial properties, including high-LTV rehab loans.

Heritage Fund Realty and Investments prioritizes client satisfaction, emphasizing a transparent process with free consultations and pre-approvals that utilize soft credit checks, ensuring no impact on credit scores. Their digital capabilities, including an online mortgage application and virtual meeting options, streamline the lending process, combining personalized service with modern convenience for their Bay Area clientele.

Company Information

Lender Type: Mortgage Broker
Headquarters: Hayward, CA

Licensed In

CA

Certifications & Credentials

NMLS LicensedCA DRE Licensed

Digital Capabilities

Online Application
Pre-Qualification Tool
Video Consultation

Home Loan Products

Purchase and Refinance Mortgages

Loan Types:
ConventionalRefinanceCash-Out RefinanceInterest-Only
Rate Types:
Fixed RateAdjustable Rate (ARM)Interest-Only
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredBusiness Owner
Income Verification:
Full Documentation
Special Programs:
Down Payment AssistanceRenovation Loan
110%
Max LTV

FHA Loan Programs

Loan Types:
FHA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredBusiness Owner
Income Verification:
Full Documentation
96.5%
Max LTV

First-Time Homebuyer Program

Loan Types:
ConventionalFHA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredBusiness Owner
Income Verification:
Full Documentation
Special Programs:
First-Time HomebuyerDown Payment Assistance
96.5%
Max LTV

Less-Than-Perfect Credit Loans

Loan Types:
ConventionalFHANon-QM
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredBusiness Owner
Income Verification:
Full Documentation
Credit Tiers:
Fair (620-679)Poor (580-619)

Residential Investment Property Loans

Loan Types:
ConventionalRefinanceHard MoneyBridgeInterest-Only
Rate Types:
Fixed RateAdjustable Rate (ARM)Interest-Only
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Investment Property
Employment Types:
InvestorBusiness OwnerSelf-Employed
Income Verification:
Full Documentation
100%
Max LTV

Commercial Loan Products

Commercial Property Loans

Loan Types:
Conventional CRECommercial Refinance
Property Types:
Multifamily (5+ units)OfficeRetailIndustrial/WarehouseHospitalityMixed-Use

Contact Information

Fax: 510.338.9561

Professional Licenses

NMLS ID: 992657
21573 Foothill Blvd
Hayward, CA 94541
US
Mailing Address:
21573 Foothill Blvd. Suite 211 Hayward, California 94541

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Business Information

Category: Mortgage Lender
Location: Hayward, CA
Status: Standard
Type: Mortgage Broker
NMLS ID: 992657
Profile Views: 1

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