Trusted Solutions Across the United States
Heartstone Lending was born from a simple belief: that home financing should feel human.
After years in the mortgage industry, we saw too many clients treated like transactions—rushed, confused, and unsupported.
So we created something different.
Why Heartstone Lending?
Our streamlined digital tools make the process fast, secure, and stress-free, so you can focus on what matters most. We’re committed to clear communication, honest guidance, and building relationships that last long after closing day.
First-Time Home Buyers
We secure the ideal loan solutions, tailored to your needs
Down Payment Assistance (DPA)
Find programs to help cover your initial home purchase costs
Veteran Loans (VA)
Mortgage options for eligible veterans, servicemembers, and families or surviving spouses.
Investment & Commercial
Access funding for your business and commercial property goals
Our online application is quick and easy, and our Mortgage Loan Officers are standing by ready to guide you.
Our Story
Heartstone Lending was founded by Laura, a seasoned mortgage expert with a simple belief: that home financing should feel human.
This is our mission at Heartstone: We make lending feel personal, empowering, and deeply aligned with your goals. We strive to create a space where every loan is a relationship, every client is seen, and every journey is honored. With bilingual support and a heart-centered approach: Laura and her team guide you through the mortgage process with clarity and compassion. Whether you're buying your first home, refinancing, or exploring equity options Heartstone will meet you where you are and help you find where you want to be.
Laura Ruel | (707) 333-1745 | laura@heartstonelending.com
Powered by Xpert Home Lending | NMLS 2179191
Because your home isn’t just a place. It’s your journey. And at Heartstone, we’re honored to walk it with you.
Transforming Financial Goals Into Reality
We value speed by way of accuracy: leveraging digital tools to keep projects organized and streamlined for efficiency. Heartstone aims to be your rock in a world of shifting sands, with clear communication to build your home equity portfolio beyond your first closing day.
🌿 Proven Experience
Twenty-two years of successful lending expertise
🌿 Bilingual Support
Spanish and English services for families
🌿 Comprehensive Programs
Multiple loan options through broker networks
Your Consultation Awaits
Ready to get started? Connect with us. Let's work together to find the best financial solutions for your needs.