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Serving all of California since 1980

CORPORATE OFFICE


Western Heritage Financial
4949 Windplay Drive
El Dorado Hills, Ca. 95762

Phone No:
916.939.9571
925.820.6220
800.656.2693

Fax: 916.915.1565

Email: customer.service@whfinancial.com

San Francisco Bay Area- 800.656.2693 | 925.820.6220

East Bay-Central Valley-800-656-2693

South Bay-San Jose-800-656-2693

Southern California-800-656-2693



LOAN PROGRAMS

Residential-Commercial

- Fixed rate loans
- Adjustable rate loans
- Interest only loans
- New home purchase loans

Choose your Options below to tailor your loan program to your exact custom fit:

- Cash out
- Rate and term buy downs
- Extended term loans
- Short term loans
- Offer and compromise transactions



Fixed Rate Mortgages

40 Year Fixed

30 Year Fixed

20 Year Fixed

15 Year Fixed

10 Year Fixed


The monthly payment and the rate are fixed for the life of the loan.

Excellent loan for those that need the security and stability of the same mortgage payment for years to come.


Interest
Only
Mortgages

10/25

Interest only payments allow you to pay the minimum payment or as much as you to pay towards the principle. You may pay a substantial amount of principle in a short period of time. In addition, principal payment may be subject to terms of note and Deed of Trust.

Excellent for those trying to maximize their budget and for first-time home buyers.


Adjustable Rate Mortgages

10/1 ARM

7/1 ARM

5/1 ARM

3/1 ARM

Adjustable rate mortgage allows a lower initial monthly payment. Rates are fixed for a set period of time and then adjust thereafter.

ARM’s are excellent for those who know their future time frame.

ARM’s are a great short term loans!


Home Equity Line of Credit

Interest Only

Fixed Payments

A home equity line of credit is usually a second mortgage. The equity in your home is used for various purposes, including debt consolidation, home improvements, educational purposes, etc. Interest paid on this loan may be tax deductible, check with your accountant.



 
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