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  • Get up-to-date Rates and More. 

    Get up-to-date Rates and More. 

  • The Perfect Home is Waiting for you. 

    The Perfect Home is Waiting for you. 

  • Your Home Town Lender with a Home Town Heart 

    Your Home Town Lender with a Home Town Heart 

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Welcome to our website.

We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.

Today's technology is providing a more productive environment to work in. For example, through our website, you can submit a complete on-line, secure loan application or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive calculators and going over various mortgage scenarios.

FHA Home Loans and USDA Home Loans in San Diego County, California

Welcome to the official site of H5 Financial. We are a full-service mortgage company based in Ramona, California. We specialize in FHA Home Loans, USDA Home Loans, VA Home Loans, and Conventional Home Loans in Ramona. We also serve the surrounding cities in San Diego County. Whether you are buying a home or refinancing in the zip code of 92065, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.

In terms of Purchase Loan programs, we offer the following:

FHA | VA | USDA | HomePath | Jumbo | Conventional

Refinancing? We can help you with that, too!

We offer a wide range of refinancing options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | FHA 203k | VA Streamline | VA Cash Out | USDA Streamline | Conventional | Jumbo

What makes H5 Financial unique is that we offer the following niche programs as well: Down-Payment Assistance Programs (Zero-Down Programs) Credit Repair, Better Rates.

Contact Shelly Heimer DRE#01706993, NMLS# 272663 at H5 Financial today to discuss your mortgage loan options, and find out which loan program will best suit your needs. 

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What our Clients say ?

Shelly was great! She was super helpful in explaining the process and getting everything done quickly. Thanks, Shelly!!

Natasha F.

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