Ernest Heredia
Loan Consultant
NMLS #: 350571; CA: CA-DBO350571
About Ernest Heredia
Ernest Heredia has been a veteran of the mortgage industry since 1989. Ernest takes pride in backing every transaction with a vast set of resources and best serves clients who value quality, performance and efficiency – including top Realtors, CPAs, attorneys and business managers.
Ernest delivers service excellence through a team approach thereby streamlining the loan process and offers expertise in every facet of the borrowing experience.
In addition to his internal team he also has an extensive network of professionals to service his clients. He is happy to introduce you to a Realtor in your area, CPAs, Financial Planners, Divorce Attorneys, Credit Repair Companies, Commercial Lenders and Appraisers.
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PERL Mortgage, Inc
Equal Housing Lender
Illinois Residential Mortgage Licensee.
NMLS #19186 
Could a Reverse Mortgage Loan be a part of a smart retirement plan?
/in Knowledge Center /by Enzo FiorelloWhen faced with daunting expenses paired with a monthly mortgage payment on their home, many retirees consider a reverse mortgage as a way to supplement their income, eliminate their mortgage payment and access needed funds so they may comfortably age in place. A reverse mortgage allows homeowners to access their home’s equity while maintaining ownership, […]
Millennials Lead the Home-Buying Market
/in Knowledge Center /by Enzo FiorelloAs millennials become more established in their careers and start families, they are increasingly becoming the biggest segment of the home-buying market. According to the National Association of Realtors’ 2018 Home Buyer and Seller Generational Trends study—which evaluates the generational differences of recent home buyers and sellers—more than one-third of all home purchases in the […]
The Best Ways to Retire Without a Mortgage on Your Home
/in Knowledge Center /by Enzo FiorelloWhether you’re preparing to take early retirement or planning to ride off into the sunset during your Golden Years, you’ve likely thought about how nice it would be to enter into this stage of your life without having to pay a mortgage. Without those monthly payments to your home lender, you’d then have additional finances […]
Top Three Mortgage Tips for March 2018
/in Knowledge Center /by Enzo FiorelloBuyers in today’s housing market are faced with numerous challenges. A low housing inventory leads to increased competition and heftier prices for the homes that are for sale – and don’t forget about the rising interest rates! Here are 3 tips on how to successfully handle the tricky housing market. 1. Be patient, but lock […]
Six Mortgage Questions First-Time Home Buyers Should Ask
/in Knowledge Center /by Enzo FiorelloBuying your first home can be challenging, especially when it comes to understanding the importance of a good credit score and how much cash you should offer up for a down payment. Here are six tips that offer a crash course on the basics to help you get up to speed. 1. What do I […]
3 Mortgage Tips for Winter 2018
/in Knowledge Center /by Enzo FiorelloWhile most of the country is experiencing cool temperatures, spring is right around the corner. To help you prepare for the busy season of home buying, selling and refinancing season that lies ahead, we’re offering these 3 tips on how to make the most of a mortgage in February. 1. Have a low, long-term rate? […]