“Emily and her team have assisted us with several home loans over the past few years. She has made it a seamless transaction each and every time. Best in the business!” 

November 2022 | Yelp Review | Kelsey S.

“I cannot say enough positive things about working with Emily & Hannah. I have now re-financed my home 3 times with them, and each time they’ve made it such an easy, smooth process. Emily always manages to find elegant solutions to any issue or complication, she really is a magic maker! And will patiently explain every part of the process. Communication is always quick and so helpful. Not to mention they are both just lovely humans :) Thank you both for all your help always!!”

May 2022 | Google Review | Nina Menconi

“My husband and I used Heritage Financial for a re-fi last year and a new home purchase out of the area last month. I was beyond thrilled to work with them as they were prompt to return calls, answer questions, and answer them clearly. They got us great rates and their communication was superb! They took the time to get to know me and my needs. I will 100% use them in the future.”

April 2022 | Google Review | Katheryne Miller

“Emily and her team are great to work with. She explains everything thoroughly, responds to emails promptly – got us the best rate possible and made the loan process smooth and easy.”

April, 2021 | Yelp Review | Randy M.

“Emily has always gone above and beyond to make sure our mortgage needs are met. She makes sure things are done easily and quickly. Her team works well together and my questions are answered promptly. I would recommend Heritage Financial to anyone looking, in fact I just referred a family member to her.”

June, 2020 | Yelp Review | Cara R.

Emily and Hanna are fantastic to work with. They responded to all our questions professionally and promptly. Made everything go smoothly and quickly! Highly recommend.”

January, 2020 | Yelp Review | Selena M.

“Emily is an amazing professional- extremely knowledgeable, great communication skills and truly cares about her clients. She offered a variety of loan options from the start and was able to think out of the box. She was a true advocate during the escrow process, often mitigating my stress levels. I can’t say enough good things about her.”

September, 2018 | Facebook Review | Vina Lustado

“Emily and Hanna of Heritage Financial are simply the best! Our home loan origination was very difficult, and they were stellar. Emily was patient, tenacious, and calming during a stressful and complicated process. If you are looking for personal service and a home-town community Mortgage Broker, look no further. When it comes to having the right professionals in your corner, it does not get any better than Heritage Financial!”

June, 2018 | Google Review | Bryant Huber

“Emily is wonderful! We felt taken care and supported through the entire loan process. I can’t recommend her highly enough!”

September, 2017 | Yelp Review | Liesel R.

“I want to say thank you so much  to Emily and Hanna for the prompt, professional, and exceptional service they provide.  My wife and I have lived in Ojai for 30+ years and we are blown away with HF and Emily and her abilities to expedite our transaction within a day! Thank you again Emily and Hanna”

May, 2017 | Yelp Review | Dave L.

MORE COMING! We have a bit of updating to do, but plenty of testimonials. In the meantime, check out some of our older reviews … 

“Emily Sandefur is the best!”
June, 2011 – Elizabeth & Alan Austin, Fallbrook, CA 

Wanda Martin “Helped with closing so we could afford our home! You guys were great! We didn’t have to do anything! Thank you Wendy & Wanda”
April, 2011 – Karie Dickerson, Oak View, CA

“Emily did a great job of keeping us informed with almost daily updates during the process … gave very personal attention. Made us feel comfortable and built trust. Would refer her to my friends and family.”
April, 2011 – Shawn & Devyn Duex, Santa Barbara, CA

“Wanda & Wendy were both very available and responsive when we needed to call or come in. The kids liked the toys and the jelly beans!”
April, 2011 – Jessie & Evan Austin, Ojai, CA

Wanda Martin “Worked the best deal possible for us. Kept us informed & was very quick to respond  to our inquiries. Worked very well with our Realtor.”
April, 2011 – Christopher Diel and Andrea Adams, Ojai, CA

“Wanda & Wendy were so kind & patient with me and their expertise is Amazing!” 
March, 2011 – Darlene Mansfield, Ojai, CA

“Emily was wonderful. She explained the entire process as we went. I had no worries knowing Emily was taking care of me. She found me the best lender to fit my needs and was able to get me more cash back than I expected. I am very happy.”
March, 2011 – Mary Orozco, Ojai, CA

Wanda Martin “kept in contact and answered our questions honestly.”
March, 2011 – Scott & Bernadette King, Ojai, CA

“Emily Sandefur did an excellent job informing us & educating us on the refinancing process. She did what she said when she said it would be done by and always returned our calls promptly. We picked this company because she always answered the phone. We quit dealing with 2 other companies in the area because they took 2-3 days to return our call. Thank you Emily.”
January, 2011 – Sam Belote, Somis, CA

“Everything was excellent. Wendy kept us informed by phone regularly. Wanda & Wendy were kind and attentive.”
January, 2011 – R.L. Rockefeller, Ojai, CA

“It was perfect! The best business transaction we have ever done! Very responsive, easy to get a hold of, on time and incredibly smooth.”
December, 2010 – Laurence & Samantha Friedman, Woodland Hills, CA

“Wow! Emily, you were so kind to me during the XX stressful 7 months … even helped to calculate if we could afford the single family home in M.O. on a Friday evening! You are my customer service guru!”
October, 2010 – Carole Sullivan, Ojai, CA

“Nothing could be better. Emily is fantastic.” She “sent a notary to NYC. Worked hard to close on time. Went the extra mile in countless ways. Worked to secure a good rate with reasonable closing costs.”
October, 2010 – Jennifer Phelps, Ojai, CA

“Wanda, Emily and Debbie were always extremely helpful! Kept me informed and answered all my questions.”
October, 2010 – Judy Acosta, Ojai, CA

“Emily explained everything very carefully and made the whole process stress free. She was terrific.” 
September, 2010 – Debra Gill & Steve Carr, Ojai, CA

“Wanda did everything I think she could have done and was very understanding. I appreciated Wanda’s patience with me and my son. “

July, 2010 – Star Soto, Ventura, CA

“… Emily was fabulous! Kept us informed, provided efficient and intelligent service – 10 points!” 
July, 2010 – David Nadel, Thousand Oaks, CA
“Emily helped me in so many ways during this long distance transaction. She was available on weekends and saved me on more than one occasion. I own 4 homes, Emily made this by far the best purchase experience of my life.”
July, 2010 – Sandra Congdon, Oxford, CT
“Emily Sandefur made us feel like her only customers, she was so diligent in taking care of our needs”
April, 2010 – Mary Birch, Oxnard, CA
“We appreciated the fact that you worked any hour or day of the week to get our loan approved and funded on time.”
January, 2010 – Mike Zielsdorf, Ojai, CA
Wanda Martin “We like working with you and we love your honesty!!!”
January, 2010 – David and Aimee Mendoza, Ojai, CA