Voted California's Top 10
Most Dependable by
Gold Line Research.
COMMITMENT TO YOU is to protect personal
information that you provided to us regarding your real
estate loan transaction. We are aware that you have
concerns with what we do with this information. We have
and use of your personal information.
NON-PUBLIC INFORMATION that we may collect will include as follows:
• Information we receive on your loan application,
whether in person, in writing, by telephone or by any
• Information you provide to us or give authorization
for another party to provide to us with reference to
obtaining your real estate loan. Such information can
include but not limited to copies of paycheck stubs,
federal income tax information, financial institution
statements to verify assets, mortgages or any other
information we request that is necessary for the loan
transaction that you fully agree to provide us with.
• Information from affiliated companies that is
necessary for the loan transaction such as appraisers
and credit reporting agencies.
INFORMATION THAT WE
COLLECT OF PUBLIC RECORD is from title/escrow
companies and this will be information pertaining to
you and the subject property. If deemed necessary, it
may also include information on other properties you
may own. Once you have closed your loan transaction
with our company and the new loan is recorded with the
county recorder’s office, it will become of public
HOW DO WE USE THIS
INFORMATION? The information we gather
on you for the purpose of obtaining a real estate loan
is not for the benefit of any nonaffiliated party. We
will not release your information to any non-affiliated
parties except when:
• As deemed necessary for us to provide the product
or service you have requested from us.
• As the law permits.
AFTER YOUR LOAN RECORDS,
your loan file is placed in storage in a designated
safe area for the maximum time as per any federal and
state agencies that govern us. This includes our licensing
agencies being The Bureau of Real Estate for the
State of California and the NMLS-Nationwide Mortgage Licensing System & Registry. Once we have reached the maximum time
of physically securing your loan file, we have a fully
bonded/insured shredding company shred your file at
the premises where your files are stored. We also have
a shredding machine located at each office. However,
your information may be used for internal purposes such
as quality control or auditing purposes. You may also
be contacted by one of our Customer Service Representatives
or a Loan Officer for the sole reason of keeping you
informed of other real estate loan programs that may
be useful information for your benefit.
SECURITY is our promise to you. We will
use our very best efforts to ensure that your personal
information is protected from unauthorized parties.
We have an in house Safeguard Rule/Financial Privacy
Policy that set the guidelines and standards to every
staff member employed at Western Heritage Financial.
We hold regular staff meetings where we educate our
employees on the responsibilities of handling your loan
information in accordance with protecting your privacy.
All of your personal loan information is put into our
computer system without Internet access as a means of
processing your loan request for the investor. Every
office computer is only accessible by use of a password.
Each staff member has his or her own individual password.
If a staff member is terminated or leaves the company,
their password is immediately deleted and access to
our computer system is terminated. To guard your non-public
personal information, we have in place physical, electronic
and procedural safeguards to comply with federal regulations.
WE WANT TO EARN YOUR
TRUST by providing strict safeguards
to protect information about you as we continue to service
your real estate loan needs.
Western Heritage Financial
4949 Windplay Drive
El Dorado Hills, Ca. 95762
"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.
"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
"You folks have been giving me guidance for over 2 years when we lost value in our rental property..." more
"Our dream property on 100 acres & no bank would pay off our bank line of credit for permanent financing..." more
M.S. & our family
"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
"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
"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
"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."
"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
"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
"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."
El Dorado Hills, CA.