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"Having worked in senior management for three of the nation's largest banks in the late 1960s and 1970s, I finally realized there had to be a better way to serve and work with people with their finances in a personalized manner. In 1980 when the "Prime Rate" hit 20%, my team and I knew it was time to do what we do best; serve people with money-saving ideas and point out options that are in their best interests. Serve people like your own family, and the rest will fall in line.”

Jerry Anderson,


Western Heritage Financial is headquartered in El Dorado Hills, California, specializing in both home purchases and refinances since 1980. Our company has been listed by Goldline Research as one of California’s Top 10 most dependable mortgage companies, as well as earning the status of “Top 1%” with two of the country’s largest wholesale investors. Western Heritage Financial takes pride in its excellent reputation and association with many outstanding and reputable organizations but values the customer first and foremost.

As a pioneer in the mortgage industry and with over 6 decades of home loan experience, President Jerry Anderson has forged every market change. Jerry has a vast knowledge of all aspects of lending and requires excellent service and transparency to all customers. His belief is "no stone be left unturned" and to provide the best service, rate, and relationship. Customers for life has been a proven fact over the years.

As California’s oldest mortgage team, we know what it takes to bring your loan to the finish line while making the process as easy as possible for you. 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 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.

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!)

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                Organizations We Support

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