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Loan Advisor

Heather Headley

NMLS #247345

Loan Advisor • Walnut Creek Branch

15 Years of Industry Expertise 
Cell: 510.593.7285
Fax: 855.559.5633
Licensed in CA

About Heather

Heather is committed to providing her clients with the highest quality financial services combined with the most competitive rates available in your area.  To create lasting relationships with each of her clients and to continue providing excellent service for many years to come. 

Whether you are purchasing your dream home, refinancing an outstanding loan, or purhasing a commercial investment property, my team can help you find the right solution communicating with you throughout the process.  


Branch Address: 1777 N. California Blvd Suite 100, Walnut Creek, CA 94596

See what my customers are saying...

Heather Headley is an outstanding loan agent. I can always trust her to take great care of the customers I refer to her. She responds quickly, and can find the best loan product to suit the customer and the home. She has extensive knowledge of the various types of mortgages and the benefits of each. And, she keeps current with trends and policy changes in the home loan industry, so she can provide accurate information. If I ever have a question she is there to help. I highly recommend Heather to all my clients.

Liz Rush - Realtor

I recently relocated from Arizona back to California and purchased a home in Oakland. In our current real estate market, qualifying for a loan and getting through an escrow is no guarantee and can be a discouraging experience. I am grateful that Heather Headley worked with me to get through the process without any bumps or bruises. Heather brings knowledge, tenacity and great integrity to her work and will keep the process on track from beginning to end. I would not hesitate to recommend her to anyone who hopes to purchase a home and hopes for a successful process!

Nora Nickerson - Nurse Practitioner


Heather Headley is the loan consultant that will make sure that you get the best loan possible and get it fast even if it means working beyond normal business hours. She is someone that you can trust and depend on to keep your best interest in mind when shopping for a loan. 

I was very happy with the service I received, and I would recommend Heather to anyone who needs real professional loan assistance.

Hattie Carwell - Executive Director of MAAT Science Village

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

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Which Mortgage Loan Suits Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide between various loan options.

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

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Thanking our Servicemembers: Your Guide to a VA Loan

In this guide, you will learn why VA loans are a great option for homeownership for active members and veterans in our armed forces.

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Home Buyer Blog

Let us help you find the home loan to reach your financial goals.

American Pacific Mortgage Programs

Your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer may stand out in a competitive market. Keys on Time Guarantee Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Secure Lock Our Bridge Loan programs can help you purchase a new home before your existing home is sold. Bridge Loan Programs If you are looking to buy a home that exceeds conforming loan limits, we have multiple Jumbo loan programs to choose from. Jumbo Programs Our Peak Loan program allows you to buy a home up to $1.5M with only 5% down. Peak If you are looking to finance a home that exceeds conforming loan limits, our High Balance Solutions program may be the ticket you need. High Balance Solutions If you are looking to finance a home that exceeds conforming high balance loan limits, you can split the loan amount between a first and second with our Jumbo Solutions program. Jumbo Solutions With our Expanded Access program, we have opened the doors to borrowers who need access to financing but don’t "fit" the standard agency or jumbo program guidelines. Expanded Access Investor Advantage gives you purchasing power in the market today for investment properties. Investor Advantage A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. Asset Inclusion If you can dream it, you can make it a reality. Finance the purchase of your fixer upper with the cost of repairs included in your mortgage. Dream Home Renovation Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines. Home Ready by Fannie Mae Purchase a home with low down payment and flexible sources of funds. Home Possible A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. STaR Loan Program Financing provided for the purchase and refinancing of manufactured homes. Manufatured Housing