Welcome to the official site of Western Heritage Financial, Inc. We are a referral-based, family-owned company based in El Dorado Hills, California. Specializing in both home purchases and refinances, we have been helping California families and individuals obtain mortgage financing since 1980.

What makes us unique

As one of California’s oldest mortgage teams, we know what it takes to bring your loan to the finish line while making the process as easy as possible for you. Without the pressure of commission-motivated Loan Officers, we are able to offer fair costs and the lowest interest rates in the country. Be assured that every time you call in, you’ll hear a friendly, experienced voice; not be taken through a corporate phone tree.

If you’ve had a qualifying issue in the past, we will work to find a fix. We have direct access to the top wholesale investors in the country, allowing us to work directly with their Underwriters on your behalf. While other companies may give up or deny the transaction, we will fight for your loan to get it closed. We never give up on our clients.

ONE SIZE DOES NOT FIT ALL

Whether you have a picture-perfect credit & income scenario, or have a more unconventional means of income or less than perfect credit – we have the resources to take care of your needs. Offering a flexible variety of term lengths, interest-only options, cash-out or debt consolidation refinances, down payment assistance programs, (the list goes on!) we are sure to structure a tailored program that perfectly matches your mortgage goals.

WE'RE HERE FOR YOU

We look forward to working with you and helping you realize your dream of homeownership or refinance the mortgages on the homes you already own. Please reach out to us with any questions you may have! We are more than happy to answer them or present you with a proposal that shows you the options you have available (at no cost to you!)

WHAT PEOPLE SAYSome of our Awesome 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. I’m happy to refer you every chance I get. We look forward to working with you again in the future. Thanks again!

M & S D.

Fremont, 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. You did exactly what you said and more. I cannot believe how much money I am saving and being semi-retired, this just became a raise in my income that I was not expecting. A believer.

B.W.

Oroville, CA

You folks have been giving me guidance for over 2 years when we lost value in our rental property. Since you had financed us in two previous loans I wandered to someone’s friend in the business and I learned real fast how much they did not know. I was embarrassed to tell you what I did but you laid it out and we now have our loan done and finished. I am in your gratitude.

G.H.

Benicia, CA

Our dream property on 100 acres & no bank would pay off our bank line of credit for permanent financing. We got our loan approval really fast, and great terms! Can’t say enough for their care, concern and sincerity …….and their confidence! What nice people to deal with.

M.S. & our family

Jackson, CA

I got immediate response by Western Heritage for our large improvement and acquisition but I thought my bank might do better. After my own bank turned me down Western Heritage had waited with their approval, and with patience and understanding, just made it come together. They are my team! They do care & fun to work with. Thanks guys!

J.G.

Fresno, CA

Western Heritage has been our financing for our home, our income property, 240 staffed medical practice, and now our new dream home. 10 years and you just are part of the family. Thanks so much.

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! My two loans, my ex-wife’s loan, my daughter purchase and my two best friends. Always the best rate, low fees & always savings. We are hooked as life customers.

D.P.

Vacaville, 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. You were referred to me and thanks to you, you showed me a way to make my dream come true. It was simple and you guys were fantastic and like family. What is crazy is you reduce my high rate and monthly payments!

G.H.

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 with the professionalism and efficiency of the Western Heritage Financial team. Thanks again for all your patience, and hard work getting us through the process. I was most impressed and appreciative that you did what you said you would do.

Q.S.

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.

D.S.

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 to solve all those problems and get me a great new loan too! I now have no debt, I have a real savings account and I’m spending $2,000 per month less overall than I was before!

I.M.

San Diego, CA

We procrastinated because we had doubts about qualifying, but the people at Western Heritage Financial 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.

K.W.

Fresno, CA

My family was referred to Western Heritage Financial 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 that we had talked too and we have referred several of our friends and each was treated like family.

I.C.

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 told me happened. They showed me how to reduce my term and save the money that I was paying the bank and I am now debt free and my payment on my home is less than before!

G.E.

El Dorado Hills, CA

We were referred to Western Heritage Financial 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 had turned us down but the Western Heritage team worked with us on the problem and we ended up homeowners once again. What a joy and what character.

JM-EM.

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

-Great to work with.

Andrew A.

Morongo Valley, CA

This is the third time I have worked with Jerry. He has always provided exceptional service and I feel very secure trusting him with my important financial transactions. I will not hesitate to work with Jerry in the future and highly recommend him and his team!

Katherine F.

Poway, CA

Thank you all SO much for everything you did to get me this loan. Extra thanks to Jill for taking extra time to help my mom with her documents.

Kelly S.

Roseville, CA

I've worked with Western Heritage Financial and Jerry Anderson before for home mortgages. This is one of the reasons I went back to them when mortgage rates started to drop. I did check with other lenders, but most things being almost equal, WHF was still more affordable and working with Jerry and his team was a guarantee (at least to me because of personal experience) that things would be quick and as painless as possible. I wasn't disappointed and this refinance went easier than the previous one. If i need a new mortgage or another refi I will be calling WHF and Jerry again.

Edward S.

Santa Clarita, CA

I have been using Western Heritage Financial for all of my financing needs since 1998 - Excellent service with a personal touch!

Mark A

Sunnyvale, CA

The Western Heritage Team was professional and responsive. Thank you!!

Melody P.

Walnut Creek, CA

Serving California Families Since 1980

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What makes us unique

ONE SIZE DOES NOT FIT ALL

WE'RE HERE FOR YOU

WHAT PEOPLE SAYSome of our Awesome Testimonials

Helping our clients obtain and manage the home of their dreams!