Heritage MTG

Heritage MTG Heritage MTG, Inc. DRE 01233890, is a Mortgage Broker providing Home Loans services. Size alone is not enough to lead this industry.

Since 1992, Heritage has been helping families purchase, sale and finance properties. Heritage out performs the competition with selection, service and lower costs on their home loans and superior service from knowledgeable agents. Buyers and Sellers are not looking for a bigger company, they are looking for a real estate company that is committed to getting the job done. We have taken a look at e

very part of the experience, from qualifying for your mortgage to handing you the keys to your new home and have dedicated ourselves to constantly improving it. It is an ambitious goal, especially at a time when we are under presure from all sides, but the challenge of the industry has always been it's fuel. So we are proud to say... "We won't rest until every transaction is convenient, comfortable and worry free". Our loan products include FHA, VA, Reverse Mortgages, Cal-Vet, Conforming and Jumbo fixed and Adjustable rates for that low monthly payment. We have hundreds of loan programs to choose from. We work together with Non Profit Organizations, City, State and County's homebuyer assistance programs such as CalHFA, City of Compton, San Bernardino County, CHF CRHMFA Homebuyers Fund which allow our borrowers access to first time homebuyer programs and home buyer assistance with down payment and closing costs. Contact one of our state and federally licensed "NMLS" Loan Officer to assist you. Heritage can assist you with the sell or purchase of your home. We will provide you with a Free Market Analysis and Sales Plan for your current home or assist you in the search for the Home of your Dreams. Skilled in every type situation, you will find our agents experienced and knowledgeable. Allow us to show you the service and expertise your busy lifestyle requires.

Hi! I’m Josephine, the Queen of Real Estate. I’ve been proudly licensed in the real estate industry for over 42 years, h...
07/28/2026

Hi! I’m Josephine, the Queen of Real Estate. I’ve been proudly licensed in the real estate industry for over 42 years, helping families protect their homes and build wealth.

Today I want to share something very important that could help you avoid a serious financial problem.

A major mortgage loan servicer has reported a sharp rise in foreclosure activity, and one of the biggest reasons is a lack of awareness about escrow accounts.

So, what is an escrow account?

It’s an account where your mortgage lender collects money each month for your property taxes, homeowners insurance, and, if required, private mortgage insurance. The lender then pays those bills on your behalf when they come due.

Here’s what’s happening.

Those expenses don’t stay the same. In California, your property taxes can increase each year, and homeowners insurance premiums have risen dramatically in many areas. When those costs go up, your lender adjusts your monthly mortgage payment to make sure there’s enough money in your escrow account.

Unfortunately, many homeowners have their payments set up on automatic withdrawal and assume everything is fine. They don’t realize their payment has increased because they never opened the notices their lender mailed them. Before they know it, they’re behind on their mortgage, the missed payments add up, and catching up becomes extremely difficult.

So here’s my most important piece of advice:

Open your mail. Read it every month.

If you discover your payment has changed, address it immediately.

And if you’ve already fallen behind, don’t lose hope.

Many lenders have options available, such as loan modifications or repayment plans that allow you to catch up over time with smaller additional payments. But you’ll never know what’s available unless you contact your lender.

So remember:

Number one: Call your lender.

Number two: If you still need help, call a qualified real estate or mortgage professional.

Or number three: Call us.

Heritage Mtg Inc
DRE #01322890
909-606-8107

Or contact:

Better Homes and Gardens Real Estate – The Heritage Group
DRE #01508076
800-401-5626

We’ll do everything in our power to help guide you through your options.

And of course, you’re always welcome to call me personally.

I’m Josephine, the Queen of Real Estate.
DRE #00866142
909-680-1699

Remember… open your mail, read it every month, and if you have questions, ask for help early. It could make all the difference.

Hi! I’m Josephine, the Queen of Real Estate. I’ve been proudly licensed in the real estate industry for over 42 years, h...
07/28/2026

Hi! I’m Josephine, the Queen of Real Estate. I’ve been proudly licensed in the real estate industry for over 42 years, helping families protect their homes and build wealth.

Today I want to share something very important that could help you avoid a serious financial problem.

A major mortgage loan servicer has reported a sharp rise in foreclosure activity, and one of the biggest reasons is a lack of awareness about escrow accounts.

So, what is an escrow account?

It’s an account where your mortgage lender collects money each month for your property taxes, homeowners insurance, and, if required, private mortgage insurance. The lender then pays those bills on your behalf when they come due.

Here’s what’s happening.

Those expenses don’t stay the same. In California, your property taxes can increase each year, and homeowners insurance premiums have risen dramatically in many areas. When those costs go up, your lender adjusts your monthly mortgage payment to make sure there’s enough money in your escrow account.

Unfortunately, many homeowners have their payments set up on automatic withdrawal and assume everything is fine. They don’t realize their payment has increased because they never opened the notices their lender mailed them. Before they know it, they’re behind on their mortgage, the missed payments add up, and catching up becomes extremely difficult.

So here’s my most important piece of advice:

Open your mail. Read it every month.

If you discover your payment has changed, address it immediately.

And if you’ve already fallen behind, don’t lose hope.

Many lenders have options available, such as loan modifications or repayment plans that allow you to catch up over time with smaller additional payments. But you’ll never know what’s available unless you contact your lender.

So remember:

Number one: Call your lender.

Number two: If you still need help, call a qualified real estate or mortgage professional.

Or number three: Call us.

Heritage Mtg Inc
DRE #01322790
909-606-8107

Or contact:

Better Homes and Gardens Real Estate – The Heritage Group
DRE #01508076
800-401-5626

We’ll do everything in our power to help guide you through your options.

And of course, you’re always welcome to call me personally.

I’m Josephine, the Queen of Real Estate.
DRE #00866142
909-680-1699

Remember… open your mail, read it every month, and if you have questions, ask for help early. It could make all the difference.

07/28/2026
07/28/2026

Welcome to the most exclusive club in the country! 🌴🔑

Recent data shows that only 41% of Californians are homeowners. While some see a tough market, we see an incredible achievement.

Owning a home in California means you have secured a piece of the most coveted real estate on the planet. It is a testament to your hard work and a brilliant investment in a market where demand always outpaces supply.

Don't let the headlines discourage you. Celebrate the exclusivity and prestige of California homeownership!

Are you ready to join the club? Read our latest blog post at the link in our bio! 🔗

07/18/2026

Boosting curb appeal doesn’t have to mean taking on a costly renovation project. Here are five budget-friendly ways homeowners can upgrade their home’s outdoor space. https://bit.ly/4h5warV

07/18/2026

🏡 Your listing expired... Now what?

An expired listing doesn't mean your home won't sell—it simply means it's time to take a fresh approach.

Here are a few questions to consider:
✔️ Was the home priced competitively?
✔️ Did it receive enough marketing exposure?
✔️ Were the listing photos and presentation strong enough?
✔️ Did changing market conditions affect buyer interest?

With the right strategy, updated marketing, and expert guidance, your home can stand out and attract the right buyers.

Let's review what happened, create a new game plan, and get your home back on the market with confidence.

📲 DM me today and let's turn your "expired" listing into a successful sale!

Valerie Pestana
DRE #01908549
📞 909.631.5450

07/18/2026
07/18/2026

🏡 How do home prices affect mortgage rates? Here's what buyers should know.

While home prices and mortgage rates don't directly control one another, they both play a major role in your monthly payment and overall buying power.

As the market changes, understanding how these factors work together can help you make smarter, more confident decisions.

The good news? You don't have to figure it out alone. A trusted lender can explain your financing options, help you understand what you can comfortably afford, and guide you through today's market.

Ready to explore your homebuying options?

📲 DM me today and let's turn that dream into a real address!

Valerie Pestana
DRE #01908549
📞 909.631.5450

Address

5821 Pine Avenue, Ste A
Chino Hills, CA
91709

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

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