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Heritage Valley Mortgage Inc.


A mortgage broker is an individual or firm that acts as an independent agent for both the borrower and the lender of a mortgage loan. Mortgage brokers are the middleman between you and the lending institution, which can be a bank, trust company, credit union, Mortgage Corporation, finance company or even an individual private investor. A mortgage broker will analyze your financial situation to determine which lender is the best fit for your loan needs. He or she will submit your mortgage application to one or more lenders in order to sell it, and works with the chosen lender until the loan closes. He or she receives a commission from the borrower if the loan closes.
 
Dottie Ringle and Ginny Ferguson combined their talents, energies and experience in 1986 to open a full service mortgage brokerage company located in Pleasanton, CA.  The company employs nine licensed experienced loan originators and the most knowledgeable experienced processing staff in the business which works as a well-orchestrated team to secure approvals for all of your real estate financing needs.
 
The firm has built an excellent reputation with its clients by providing friendly, knowledgeable, efficient service customized to the specific needs of each individual client. Their team of professionals understands the intricacies of mortgage lending and is available to answer all of your questions throughout each stage of the transaction. 
 
In addition, their reputation within the industry for honesty, integrity and credibility and the use of leading edge technology in underwriting continues to place it in a priority broker status with over 100 wholesale lending investors. This priority broker status allows them to offer you all types of loan products with pricing customized to your individual needs.
 
They recognize that their clients are individuals, and they work hard to insure that each client receives the personal attention he or she needs to successfully secure an appropriate loan. They have earned the respect of both lenders and clients alike for delivering quality service and products in a timely manner. 
 
Their goal is to save you money, distress and time and they guarantee results. Whether you are a new residential home buyer, a seasoned commercial developer, or simply refinancing an existing mortgage, the Company offers the best package of service, rates, and closing finesse few in the industry can come close to.   

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