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Heritage Financial

your premiere mortgage lender

Why waste your time with the big banks or internet-based lenders when shopping for the best rate on your next mortgage? Heritage Financial is approved with a wide variety of lenders, allowing you to receive a tailor-made home loan to suit your specific needs. We offer great rates, competitive fees and service you’ve come to expect from your hometown lender.

Demonstrating stability in even the most volatile markets, Heritage Financial has been California’s Real Estate Financing choice since 1990. Whether you’re a seasoned homeowner or a first time homebuyer, we have all your mortgage needs covered!

Why Choose Us?

Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.


Our FHA, VA, RHS, Jumbo and Conventional mortgage rates are the most competitive available in the industry and we offer all mortgage financing options accessible to you.


At Heritage Financial we alleviate the typically drawn-out loan process, pre-approving borrowers within an hour and providing a pre-approval certificate.


No matter what your need to refinance is, our highly experienced team of mortgage brokers can help you find the perfect loan solution to fit your needs and circumstances.

Heritage Financial specializes in these

California Mortgage Loans

FHA Loans

FHA loans are a popular choice among first time homebuyers given their low down payment requirements and ease of qualification.

VA Loans

Veterans, active military, and their families can take advantage of a VA loan to purchase a home with no money down, great interest rates, and no private mortgage insurance.

Home Purchase Loans

If you're unsure which home loan is best for you, our team of experts will help you find the solution that works best for your needs.

Home Refinance Loans

Refinancing your mortgage can help you save money over the life of your loan by lowering your interest rate or reducing loan terms.

Conventional Loans

Great rates and buyer flexibility make conventional loans the most popular mortgages on the market today.

Jumbo Home Loans

Jumbo loans can be the perfect option if you are looking for a home loan that exceeds the limits placed on government backed options such as FHA loans.

Cash Out Home Loans

If you have equity in your home, a cash-out refinance can provide you with the money needed for home repairs, debt consolidation, and other various expenses.

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Although we are located in Ojai, California, we offer unparalleled mortgage and refinance service to clients throughout the Great State of California!