Your Local Real Estate & Mortgage Experts Since 1992
For more than 30 years, Real Estate Loans & Homes has helped families across Helendale, Silver Lakes, the High Desert, and all of California buy, sell, and finance homes with confidence. We believe the home‑buying process should be simple, honest, and stress‑free — and that’s exactly how we operate.
We are one of the few companies in California that offer both real estate and mortgage services under one roof, giving you a smoother, faster, and more affordable experience.
To provide clear guidance, fast approvals, and affordable loan options for homebuyers and homeowners across California. We focus on education, transparency, and making sure you understand every step of the process — without pressure, confusion, or surprises.
Why Clients Choose Us
✔ 34+ Years of Local Experience
We live and work in the communities we serve. We understand local neighborhoods, property values, and lending requirements better than anyone.
✔ Real Estate + Mortgage in One Place
No more bouncing between agents, lenders, and processors. We handle everything — buying, selling, and financing — with one trusted expert.
✔ Loan Programs for Every Situation
We offer:
- FHA
- VA
- USDA Rural
- Conventional
- Jumbo
- CalVet
- 203k Renovation
- Reverse Mortgage
- Investment Loans
- Construction‑to‑Permanent
- Down‑Payment Assistance
- Bank‑Statement Loans
- Programs down to 500 FICO
✔ Wholesale Interest Rates
Our rates are under market, giving you lower payments and more buying power.
✔ Fast Pre‑Approvals
Most clients receive same‑day answers.
✔ Personalized Service
You’re never just a number. We walk with you from application to closing.
Sheryl Arndt, Broker(opens in new tab)
Real Estate & Mortgage Broker, Sr. Loan Officer
Sheryl Arndt, Real Estate & Mortgage Broker
I have over 30 years experience and am a professional with the real estate and mortgage industry since 1992.
I have the mortgage loans and homes for you in the High Desert, and all of CA.
I have Associate Agents to assist in all of CA as well so call now.
Frank Shaw
My name is Frank Shaw, Sheryl's other half. I am in charge of the advertising and maintaining of websites. I used to be a licensed agent and loan officer but have since retired from those duties. If you would like to compare RENT vs BUY listings you can text me on my cell or leave a message 760-927-9300
If you figure out what cities/zip codes you are considering, minimum number of bedrooms, baths, etc. I can set you up to receive daily emails to fit your search criteria in CA only.
I can send you emails to compare Rent vs Buy listings so let me know...
Next Steps...
Call my home office 760-983-4549 leave a message or call or text cell 760-486-4225 or email HomeLoans4U@live.com