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Your Home Team For Home Loans

RCG Home Loans Photo
Licensed in 49 States Step Up
Your Home
Game

Step onto the court with Robert Coomer, a seasoned coach in the mortgage industry, leading RCG, a team of Luminate Home Loans. Our hand-picked team of all-star loan officers, processors, and support staff bring their A-game, offering expertise and empathy to guide you on your homeownership journey. With a passion for service and a commitment to responsible autonomy, we listen twice as much as we speak, empowering you to slam-dunk your dream of owning a home. Together, let's score big on your path to homeownership!

Conventional Loans

Conventional Loans

We’re here to help you live the dream of homeownership. Whether you’re a first-time home buyer or an experienced homeowner, a conventional loan is a great option. Conventional loans come in a variety of options to suit a broad spectrum of qualified borrowers.

FHA Loans

FHA Loans

FHA loans make homeownership accessible and affordable to almost anyone. FHA loans are particularly designed to benefit buyers who do not have perfect credit or a large down payment. So, even if you feel left in the dark with options, we’ll help you light your path to potential options.

VA Loans

VA Loans

Did you know that being a former or active member of the military can help you get a home loan? It’s true! The VA loan is an excellent loan option that assists our Veterans in achieving their homeownership wants and needs. Talk to one of our Loan Officers today to see if you qualify!

USDA Loans

USDA Loans

Finding the right loan can seem overwhelming. If you’re still looking for the right program to suit your needs, we have a variety of home loan options. USDA loans, for example, are great for people that live in low-population areas who typically cannot qualify for a conventional loan. Get in touch with us to see if this is the right loan choice for you.

Down Payment Assistance

Jumbo Loans

Don’t let conforming loan limits keep you from looking at that amazing property. Shoot for the sky with a jumbo loan for up to $2.5 million. Pre-qualify online and put as little as 10% down.

Refinancing

Construction Loans

Always dreamed of building a custom-tailored home?
A construction loan could help to make that a reality.
Learn what construction loans are and how they work.

Our Starting Lineup

Robert Coomer
Robert Coomer
Division President
NMLS #179395
Anyah Ellis
Anyah Ellis
SVP
NMLS #1633964
Geoff Green
Geoff Green
Director of Product & Sales
NMLS #881048
Kara Furukawa
Kara Furukawa
Underwriting Team Lead

    Game-Changing Stories

    J.
    Jay Brian L

    I acknowledge the commitment and level of Service that was straightforward and dedicated which shows a lot of professionalism.

    S.
    Sierra Ladygin

    Dave is an outstanding person!! Very fun and of the nicest, kindest, I had a pleasure to work with! Highly recommend him to anyone

    J.
    Jose Neri H

    Patience, diligent ,devoted, trustworthy. This is a great team. I was lucky to find them if I move again I will call Sarah and hope she can help me again in my moving experience.

    A.
    Alexander H

    As I stated earlier the team made a scary situation of buying a home for the first time look and feel simple.

    M.
    Morgan E A

    The organization of everyone made this so seamless and easy. Both Tracy and Leona were able to explain things to us clearly so we would understand. They both were always available to us when we had questions any time of the time. The experience was top notch, we would recommend them to anyone.

    T.
    Tasha Ward

    I had the pleasure of working with Dave and I must say, he is absolutely amazing! He has a keen eye for numbers and is dedicated to helping you find the best possible deal tailored to your unique situation, while also presenting other viable options. His patience is commendable, as he took the time to explain every detail thoroughly. His depth of knowledge in the field is impressive, making the entire process smooth and transparent. Moreover, his responsiveness is top-notch; he was always available to address any questions or concerns promptly. I highly recommend Dave for anyone looking for a reliable and knowledgeable mortgage lending agent. I'm so glad we went with him, I can see why he has so many 5 start reviews!

    P.
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    M.
    Monique Cadieux

    Tracy is amazing! Very patient and great communicator!

    N.
    Nicole K S

    Very knowledgeable and kept us in the loop with Fast and accurate process.

    M.
    Mike Nguyen

    Embarking on the journey of securing a mortgage can be a daunting task, but with Jeff as my loan officer, it became an exceptionally positive and personalized experience. From our first interaction, Jeff exuded a level of expertise that immediately put me at ease. His deep understanding of the mortgage landscape, coupled with an unwavering commitment to his clients, set the stage for what turned out to be a truly remarkable journey. What truly stands out about Jeff is his unparalleled dedication to his clients. He didn't just assist me; he invested time in understanding my specific needs and financial situation, tailoring his approach to ensure the best possible outcome. Jeff's attention to detail is unmatched; he meticulously explained every step of the process, leaving no room for uncertainty. This level of transparency fostered trust, making the entire process not only seamless but also enjoyable. One of Jeff's standout qualities is his responsiveness. In an industry where time is of the essence, Jeff consistently demonstrated a swift and efficient approach to communication. Whether it was a quick clarification or a detailed explanation, he was always just a call or message away, providing a sense of security throughout the entire process. Moreover, Jeff's genuine care for his clients goes beyond the transactional aspects of the mortgage process. He took the time to listen to my concerns, answer my questions, and offer valuable insights that extended beyond the immediate scope of our collaboration. It's this personalized touch that makes Jeff not just a loan officer but a trusted advisor, someone who genuinely cares about the well-being of his clients. In retrospect, working with Jeff was not just about securing a mortgage; it was about forging a partnership built on trust, expertise, and a shared commitment to achieving financial goals. If you're in search of a mortgage loan officer who combines professionalism with a personalized touch, Jeff is the unequivocal choice. I wholeheartedly recommend him to anyone navigating the intricate landscape of mortgage financing.

    R.
    Rob Reimer

    Jeff at Heritage IS the honest straight shooter we were looking for. He got us the loan we needed. Everything went smooth. Jeff stayed in contact with us throughout the process. All questions were answered quick. The normal issues, problems, delays that drive everyone crazy: were kept to a minimum. My wife and I are 100% satisfied- we plan on using Jeff at Heritage for all our family's future loan services. Thank you! Rob Reimer

    B.
    Bonnie Ramos

    Jeffrey Guillen of Heritage Home Loans, handled our loan for our home. His expertise and knowledge of the business greatly surpasses any other Loan Broker that we have delt with in the past. He is honest and personable, which are rare qualities in this day and age. We obtained the lowest interest rate at the time we purchased our home. His detail and efficiency helped to process the loan expediently. If you are looking for a Great Loan Broker, look no further, I recommend him in the highest regard.

    N.
    Ninny C

    It was a good pace process. I didn't feel pressured or any anxiety while waiting for the updates. I was confident that I was in good hands.

    J.
    Jeremy S R

    Staff kept us on track. Experience was easy and painless.

    M.
    Margaret Oberg G

    Thank you for your help and support through this process.

    S.
    Samantha Blackmon

    This was my third experience with working with Heritage Home Loans (Jeff is our guy). It was as seamless and fun as always. Jeff walked us through the entire process step by step. When questions came up or adjustments needed to be made, he worked diligently on our behalf. We truly lucked out to get to buy a home with the support of Heritage Home Loans.

    C.
    Colleen C

    Working with Jeff Guillen and his team for our home loan was smooth and efficient. His expertise was apparent and his communication skills excellent. Jeff made the loan process as stress free as possible. We appreciated Jeff’s professionalism. He comes highly recommended!

    B.
    Ben Black Wolf

    Worked with Dave on a home purchase. His professionalism and experience made it a seamless process for my wife and I. Our experience with other lenders/brokers in the past caused us to expect confusion, lack of communication, and negative plot twists but with Dave it was only clarity, consistent communication, and every step as planned.

    R.
    Rachelle Lea S

    James is amazing and extremely patient.

    S.
    Shasta Lee C

    Overall, the experience was fairly smooth and easy. The app didn’t always work, but it was nice Tony and his team allowed us to email documents, also.

    E.
    Elizabeth Caroline N

    Already answered

    M.
    Matthew John B

    The continuous contact period answering all questions, always available.

    J.
    John Rudolph P

    The entire process went surprising smoothly.

    J.
    Jonathan D M

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    M.
    Myra Jan W

    The knowledge that every little thing was going to get done, that Chris and Matt would interface with the other professionals that handle our insurance, investments and real estate to make it all happen. That knowledge made the process smooth and gave us the peace of mind that took all of stress out of that part of the move.

    J.
    Justin T

    Tony was responsive and helpful throughout the experience. Appreciated working with him

    S.
    Shandra A

    We had a complicated transaction and Matthew Norris and the whole team worked hard to keep things moving forward and get us to the finish line while continuing to be positive and responsive.

    C.
    Cassie O

    Communication was amazing!!!

    K.
    Keegan K

    Communicate better give me a heads up about fees that I would have to pay instead of telling me last minute.

    J.
    Jeanie T

    The communication was timely and clarity of expectations throughout made the experience pleasant during an anxious period of waiting.

    J.
    Johan R

    We got great advice and guidance from the start. As first time homebuyers it felt very secure having a partner that was reliable and that we trusted. Their focus was always our financial well-being and long term success which stood out from other lenders we had talked to.

    A.
    Archie C

    The process of securing a home loan can often be daunting, primarily due to the tremendous amount of paperwork involved. However, our experience was greatly enhanced by the exceptional support we received from Todd. His guidance through the complex maze of documents and procedures was invaluable. Todd's patience, expertise, and willingness to go above and beyond made all the difference. He was always available to answer our questions, clarify doubts, and provide reassurance whenever we felt overwhelmed. This personal attention and professional dedication turned what could have been a stressful journey into a smooth and successful venture. We're grateful for the positive experience provided by Todd and the team, and it was these factors that made it truly great.

    D.
    Dakotah B

    You are amazing! Thank you so much!!

    D.
    Dominga B T

    And of course Doni couldn't have done it without her TEAM behind her! Thanks Team!

    A.
    Ada M

    Great communication.

    W.
    Wanda Leslie W

    Better communication. I had to constantly send in the same documents consistently . They kept losing my documents. Asking for the same documents, only to find out they had the documents.

    J.
    Janelle G

    Questions were answered correctly in a timely and pleasant manner

    Z.
    Zachary Elewitz

    Dave Cook is absolutely fantastic to work with. I collaborated with him on my first home loan and he has assisted me with refinancing since. He is focused on what is best for the customer, knows how to communicate technical parts of the process in plain English, and works to ensure you are comfortable and happy throughout the entire process. He is someone I trust and enjoy working with. I highly recommend calling him first.

    K.
    Kristi V

    Chris Makiri and Matt Nagunst were very responsive and helpful along the way. They made this process easy and pleasant.

    T.
    Terilyn F

    The process was fairly painless and I felt that Jeff genuinely cared about obtaining a positive outcome.

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