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Whether you're buying your first home or your dream home, we have a mortgage solution for you. Get your custom rate quote today.

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We're committed to helping you refinance with the lowest rates and fees in the industry today. Check out our Low Rates, Calculate your Payment, or Start the Process Today!

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Our Secure Application takes about 12 minutes to complete, and is required for a "Pre-Approval." You will be contacted once your application is submitted.

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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. 


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.

Purchase & Refinance | Conventional | FHA Streamline | FHA Cash Out | VA Streamline | VA Cash-Out | Investment Properties | Jumbo | Bank Statement | Asset Depletion | Alternative Doc


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

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

Whether you're a first-time homebuyer, wanting to lower the interest rate on your current mortgage, utilize the equity you've built with debt consolidation or a cash-out refinance, or if you'd like to purchase a 2nd Home or Investment Property - we can help! We'd be more than happy to answer any questions you may have or provide the guidance you need.

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