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Voted California's Top 10
Most Dependable by
Gold Line Research.

Western Heritage Financial Quality Control Policy
It is Western Heritage Financials policy to provide affordable mortgage financing in a fair and responsible manner. Western Heritage Financial will monitor the practices of responsible lending under its Quality Control Policy. This policy monitors practices that fall under the umbrella of Predatory Lending.

Fair Lending Statement
Western Heritage Financial, Inc. operates in accordance with the provisions of the Fair Housing Act and Equal Credit Opportunity Act. The Fair Housing Act makes it unlawful to discriminate in housing-related activities against any person because of race, color, religion, national origin, sex, handicap, or familial status. The Equal Credit Opportunity Act prohibits discrimination with respect to any aspect of a credit transaction on the basis of sex, race, color, religion, national origin, marital status, age (provided the borrower has the capacity to enter into a binding contract), receipt of public assistance, or because the borrower has in good faith exercised any right under the Consumer Credit Protection Act. Western Heritage Financial fully supports the letter and spirit of both of these laws and will not condone discrimination in any mortgage transaction.

Customer Testimonials

"I appreciate how you work to minimize our involvement and find us the best loan available. You’re both consummate professionals and a pleasure to work with..." more

M & S D.
Fremont, CA

"We needed $1.2M for solar for our Ag. Property & Western made it happen! Little did we know that a huge bank we had before wrapped all our properties..." more

E.D. & family
Central Valley Ca

"Being a former client you had to be persistent to help me save money. Had I acted sooner I would have saved 18 month of excessive payments that was paid to the bank..." more

Oroville, CA

"You folks have been giving me guidance for over 2 years when we lost value in our rental property..." more

Benicia, CA

"Our dream property on 100 acres & no bank would pay off our bank line of credit for permanent financing..." more

M.S. & our family
Jackson, CA

"I got immediate response by Western for my dairy ranch for our large improvement and acquisition but I thought my bank might do better..." more

Fresno, CA

"Western Heritage has been our financing for our home, our income property, 240 staffed medical practice, and now our new dream home..." more

Dr. N and Mrs N

"Well, you did it again. Our 3rd loan and you made it happen again saving us thousands. I can't get away from you guys..." more

Valencia, CA

"I am a single mother and provider and have lots of equity that I could not use to improve my home because of low income..." more

San Jose, CA

"We are thrilled to be able realize significant dollar savings as we go forward with all four of our new loans. We are amazed at how smooth and uneventful the process unfolded and we are impressed..." more

Folsom, CA.

"You did such a great job explaining everything and helping me through the whole process. I felt like you understood me and what I needed to know, and that made me really comfortable."

Walnut Creek, CA.

"As a single woman nearing retirement with debt I couldn’t pay off, almost no savings and not enough income to qualify for any new loan, I was amazed and so thankful for how you worked with me for months..." more

San Diego, CA.

"We procrastinated because we had doubts about qualifying, but the people at Western kept encouraging us and were very patient. 15 months later we got the message and what we thought was a problem area and how they structured the loan saved us $709 per month and our fear was for nothing."

Fresno, CA.

"My family was referred to Western and we were under water on value but they found a way to help us save hundreds per month and shaved 9 years off of the term. Their fees were far better than anyone..." more

Sacramento, CA.

"Being a single grandmother helping raise a grandchild, I just never had the time nor thought I would qualify. It took me almost two years to get the courage to do this on my own and everything they..." more

El Dorado Hills, CA.

"We were referred to Western on a purchase contract and with our past trouble when my husbands income was reduced to less than half, they showed us how to not only qualify, but we got a great rate. Everyone..." more

San Diego, CA.

"We were declined by every lender out there and were thinking of filing bankruptcy. We were referred to Western Heritage Financial, Inc. as a last ditch effort and the rest is history. We have one payment, we're saving $1300 a month and the calls from creditors have stopped."

Mrs. T. Monroe
Concord, CA.

"As a realtor, I have seen it all. I have never experienced such knowledge, speed and honest directness that the staff at Western Heritage has in helping clients get the best rates and service."

J. Cardoza
El Dorado Hills, CA.

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© Copyright 2014, Western Heritage Financial, Inc. - 4949 Windplay Dr Ste 125, El Dorado Hills, California  95762 - All Rights Reserved.
California Bureau of Real Estate Lic. # 01176656 - NMLS ID: 250823