H5 Financial - Shelly Heimer, Mortgage Loan Officer-NMLS: 272663

06/13/2026

Looking for your next Ramona home? Saturday is packed with great options! Here’s your open‑house lineup.

• 1208 Ledesma Ln — 11 AM to 3 PM
Hosted by Kimberly Swartz

• 1214 Cook St — 11 AM to 2 PM
Hosted by Tina Wright

• 23360 Barona Mesa Rd — 12 PM to 2 PM
Hosted by Doreen Smith

• 25361 Kerri Ln — 12 PM to 3 PM
Hosted by Kevin Justice

• 24376 Rutherford Rd — 1 PM to 3 PM
Hosted by Regina Flores

• 17255 Rockhouse Rd — 3 PM to 5 PM
Hosted by Jan Ryan

Wishing everyone a great weekend of showings and sunshine.

06/11/2026

🏡 Weekly Mortgage Rate Snapshot 📊

Whether you're thinking about buying your first home, moving up, downsizing, or refinancing, understanding today's rate environment is an important part of the process.

Mortgage rates can change daily, and the rate you qualify for will depend on factors such as credit score, down payment, loan type, and overall financial profile.

The good news? You don't have to navigate it alone.

At H5 Financial, we're here to answer your questions, review your options, and help you determine the best financing strategy for your goals.

📞 Ready to explore your options? Reach out today for a personalized mortgage consultation.

06/04/2026

Rates continue to move, and staying informed is key whether you're actively shopping for a home or simply planning ahead.

Every buyer's situation is unique, which means the rate you qualify for may be different from the national averages shown here. That's why having a conversation about your goals, timeline, and financing options can make all the difference.

🏡 Thinking about buying?
🔄 Curious if refinancing makes sense?
⭐ Wondering what loan program fits your situation best?

We're here to help you explore your options and make confident decisions.

Reach out to H5 Financial for a personalized rate quote and expert guidance every step of the way.

05/30/2026

Your Weekly Mortgage Rate Snapshot
Here’s where national averages landed as of 05/27/26. Whether you’re planning a purchase, comparing options, or just keeping an eye on the market, staying informed helps you make confident decisions.

If you’d like to see how these numbers translate into real buying power, payment scenarios, or refinance opportunities, Shelly and the H5 Financial team are always here to help you run the numbers.

05/29/2026

Here’s what’s open in Ramona this weekend!

Saturday
• 24710 Sutherland Dr — 1 PM to 3 PM
Hosted by Sharon Quisenberry

• 131 Ransom Hill Ln — 1 PM to 3 PM
Hosted by Sharon Quisenberry

• 24376 Rutherford Rd — 1 PM to 3 PM
Hosted by Regina Flores

Sunday
• 24946 Abalar Way — 12 PM to 2 PM
Hosted by Doreen Smith

• 16355 Whispering Oaks Dr — 12 PM to 2 PM
Hosted by Jan Ryan

• 19894 Via Vista Grande — 3 PM to 5 PM
Hosted by Jan Ryan

Wishing everyone a great weekend of showings and sunshine.

05/29/2026

🏌️‍♂️ Calling all Ramona golfers!
The 11th Annual “Chip in for Charity” Golf Tournament is coming up Thursday, June 11th at San Vicente Golf Resort, and we’re teeing off for a great cause — FORUS (Friends of Ramona Unified Schools), supporting student wellness, safety, and success across our local schools.

Whether you’re a seasoned player or just love a good day on the course, we’d love to have you join us!
✅ 7:00 AM check‑in | 8:00 AM shotgun start
✅ $140 per golfer | $550 per foursome
✅ Sponsorships available for local businesses

Come out, play a round, and help make a difference for Ramona students.
To register or sponsor, contact Lindsey McNerney at [email protected] or 760‑789‑7385.

Let’s fill the course and make this year’s tournament the best one yet! ⛳

05/25/2026

Today we pause to honor the men and women who gave their lives in service to our country. As a veteran, I’m deeply proud of my time in uniform and grateful for the freedoms their sacrifice protects.
We remember them with respect and gratitude.

05/21/2026

Today’s national mortgage rates. If you’re thinking about making a move, now is the time to run the numbers and see what you qualify for. Reach out and I’ll walk you through your best options.

📱619-743-8848
🌐www.h5financial.com

05/19/2026

Honored to be part of today’s VA panel with Pennymac discussing ways we can better support veterans and military personnel through education, lending resources, and homeownership opportunities. 🇺🇸

As a veteran myself, these conversations are important to me personally and professionally. Grateful for the opportunity to share, learn, and continue growing in the VA lending space. Hoorah! 🇺🇸

I’m excited to join the speaker lineup at the Pennymac TPO Partner Forum in Westlake Village. This event brings together some of the best minds in lending, and I’m grateful for the chance to contribute and connect on the VA Loan Panel. Looking forward to meaningful conversations and strong partnerships.
tpo PENNYMAC TPO

05/12/2026

Yesterday we wrapped up our final Teacher Appreciation Lunch at Olive Peirce Middle School 💙

And honestly… it felt a little full circle.

Co-hosting today alongside Jennifer Taylor — someone I went to OPMS with back in junior high — made this one extra special. Years later, here we are walking the same halls, not as students, but as community members giving back to the teachers who pour so much into our kids every single day.

There’s something really meaningful about that.

Ramona teachers helped shape who we became… and now we get the opportunity to say thank you to the people continuing that work for the next generation.

So grateful for every teacher, staff member, partner, and volunteer who helped make this year’s lunches possible across our district. 💙