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As a trusted national mortgage lender, we pride ourselves on empowering homeowners with tailored second mortgage solutions. Let's unlock the potential of your home's equity together.

About Us

At HELOANGuide.com, our greatest asset is our team of dedicated lending experts. With years of industry experience and a deep understanding of the ever-evolving mortgage landscape, each member brings a wealth of knowledge and an unwavering commitment to serve our clients. Our lending experts are not just professionals; they're enthusiasts who are passionate about helping homeowners unlock the potential of their homes. From understanding the intricacies of the latest regulations to navigating the complexities of individual financial situations, they're equipped to guide you through every step of the lending process. What truly sets our team apart is the personalized touch they bring to each interaction. They recognize that every homeowner's journey is unique, and they're dedicated to finding solutions tailored to each individual's needs. Their approach is not transactional; it's relational. Our experts invest time to understand your aspirations, concerns, and financial objectives, ensuring that the guidance you receive is both informed and relevant. With a track record of excellence, a passion for service, and an unwavering dedication to integrity, our lending experts stand ready to assist you in achieving your financial goals.


A Home Equity Loan (HELOAN) is a fixed-term loan where homeowners borrow a lump sum based on their home's equity. It typically comes with a fixed interest rate and requires regular repayments, similar to a primary mortgage


A Home Equity Line of Credit (HELOC) is a revolving credit line allowing homeowners to borrow against their home's equity. Unlike a fixed loan, a HELOC provides flexibility, letting borrowers draw and repay funds as needed, typically with a variable interest rate.

2nd Mortgage

A second mortgage is an additional loan taken on a property while the first mortgage is still active. It's secured by the home's value and typically has higher interest rates due to its subordinate position in case of foreclosure.

2nd Mortgage Loan Products

A second mortgage is a type of subordinate mortgage made while an original primary mortgage is still in effect. In essence, it's a second loan that's taken out on a property in addition to a first, or primary, mortgage.

Home Equity Loan | HELOAN

This is a lump-sum loan that provides homeowners with a one-time amount based on the equity in their homes. Typically has a fixed interest rate. The loan is repaid in regular monthly installments over a set term, similar to a first mortgage.

Home Equity Line of Credit | HELOC

This is a revolving line of credit, similar to a credit card, where homeowners can borrow up to a certain limit and draw on the line as needed. Typically has a variable interest rate. HELOCs usually have a "draw period" during which you can access the funds, followed by a "repayment period" where you repay the borrowed amount.

Piggyback Loan

Sometimes used by homebuyers to avoid paying private mortgage insurance (PMI) on their first mortgage. The borrower takes out two mortgages simultaneously: the first mortgage covers 80% of the home's purchase price, and the piggyback or second mortgage covers part of the remaining balance (e.g., 10%), with the buyer providing the rest as a down payment.

Where Home Equity Meets Expertise ?

Navigate with HELOANGuide.com Today!

You're Team of Lending Experts

At HELOANGuide.com, our greatest asset is our team of dedicated lending experts.
With years of industry experience and a deep understanding of the ever-evolving mortgage landscape,
each member brings a wealth of knowledge and an unwavering commitment to serve our clients.

Joseph S. Restivo

NMLS: 262845
President & CEO / Sr. Loan Originator

Brad Osterman

NMLS: 1972229 - Veteran
Owner & ADPI Branch Manager

Jamie Holabird

NMLS: 1029662
Owner & North Carolina Branch Manager

Ted Canto

NMLS: 228393 - Veteran
Owner & Arizona Branch Manager

Aimee Heers

NMLS: 2005125
Owner & Hawaii Branch Manager

Kyle Jessee

NMLS: 1212644
Owner & Maryland Branch Manager

Jason Wood

NMLS: 317293 - Veteran
Owner & Nevada Branch Manager - VA Loan Guy

Shawn McCaffrey

NMLS: 1008204
Owner & Pennsylvania Branch Manager

What's Clients Says?

From their firsthand experiences and stories, gain insights into the quality, trustworthiness, and expertise we bring to the table.
These genuine reflections from real customers showcase our commitment to excellence and the difference we've made in their lives.

David A from El Cajon, CA. All I can say is I trust the man, he explained everything to me. It was my first home loan. I was even in a bankruptcy and he pulled it off. It was a miracle. He continuously helps me repair my credit. Takes my calls and gives me direction even now after the deal is over. Joseph is a good human being.
David Akin
Excellent experience, Jason goes beyond what is expected of him. He will work hard for you. Jason has helped my family on two separate occasions. Each time he was amazing, He will always be my families VA Guy. Thank you Jason for your kindness, professionalism , and knowing your stuff. God Bless:)
John T
You, Amber, and Amanda were responsive and professional at every step in achieving the loan. I can't thank you all enough for helping me through the process. I wish you continued success in your profession and with great pleasure will recommend you to any one seeking a VA loan.
Donald S
We enjoyed working with Jason and his team. He understood our needs and wishes and got us the loan we wanted. The process was quite easy, and Jason’s team communicated with us frequently. The use of video visits, email, electronic signing in addition to a few telephone calls made each step quite convenient. I highly recommend them to anyone shopping for a new loan.
Devin D
Brad and his entire team were amazing! Their communication & timeliness exceeded my expectations and far exceeded my experience with previous lenders. Brad was did an amazing job explaining the process, taking time to talk and video chat with my husband & I, and he is just overall great guy! I highly recommend Brad and his amazing team! We were clear to close in 3 weeks, this was the smoothest and fasted transaction we have ever had!
Melody G

Get in touch

Ready to make the most of your home's equity? Navigate your options confidently with experts who care. Contact HELOANGuide.com
Today and let us guide your way to smart financing.

Contact Us:

Welcome to HELOANGuide.com – your comprehensive guide to Home Equity Lines of Credit. We are proud to be powered by the award-winning national mortgage lender, American Mortgage Network.


347 3rd Ave 2nd Floor Chula Vista CA 91910



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