Our ServicesFind Loan Products We Offer



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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Conventional, Jumbo, and B Paper Mortgages!

Welcome to the official site of Western Heritage Financial, Inc.  We are a full-service mortgage company based in El Dorado Hills, California.  We have specialized in Conventional, Jumbo, and B Paper Mortgages for properties located in California since 1980.  Whether you are buying a home or refinancing, we can help you realize your homeownership dream or save you money when getting your new lower monthly payment. 
We also understand that times get tough.  We are not a one-size-fits-all mortgage company!  We have many B-paper loan products available to fit your needs because everybody deserves a second chance.

We can help with that too!
We offer a wide range of refinance options designed to meet the needs of our borrowers best. If you're looking for cash-out or a better rate and term, we can assist you.

FHA Streamline | FHA Cash Out | VA Streamline | VA Cash-Out | Conventional HELOC | HARP | Commercial | JUMBO |   B-Paper Credit 

One size does not fit all!
What makes Western Heritage Financial, Inc. unique is that we offer the niche programs such as "no down payment," "cash-out," and "B paper."

Contact Western Heritage Financial, Inc. today to discuss your mortgage loan options and find out which loan program will best suit your needs.

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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