Heritage Financial

Heritage Financial NMLS #320838 | CA DRE #02154167
Great Rates | Award-Winning Service | Real-Time Solutions Why sacrifice service for price?

Offering a large variety of loan programs including *Conventional*, *Conforming*, *Jumbo*, *FHA*, *VA*, *USDA*, *Reverse Mortgages* and more! 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 we're here to answer your call. Rest assured that we can always be reached

and that your loan is being handled with the utmost care and confidentiality. NMLS No. 320838
CA Broker Lic. 01254167
Equal Housing Lender

Friday fundings were in so we took a quick road trip to Friends Ranch Packing House. 🍊 It’s pixie tangerine season in Oj...
03/27/2026

Friday fundings were in so we took a quick road trip to Friends Ranch Packing House. 🍊 It’s pixie tangerine season in Ojai and we’re eating it up!

📢 This just in from Heritage Financial, they've donated a gorgeous Spring Picnic Basket for the raffle at our March Mixe...
03/26/2026

📢 This just in from Heritage Financial, they've donated a gorgeous Spring Picnic Basket for the raffle at our March Mixer Hosted by Ojai Olive Oil TONIGHT! Tasting Experience starts at 4:30, Mixer at 5:30. See you on the ranch!

We had a fabulous evening raising money for at the .valley.board.of.realtors Casino Night! Thank you all@for putting to...
03/14/2026

We had a fabulous evening raising money for at the .valley.board.of.realtors Casino Night! Thank you all@for putting together such an amazing evening for an incredible cause. 🎲

We're outta here! Witching hour has begun (at least for two moms with little kids) and we must go. If you need us, call ...
10/31/2025

We're outta here! Witching hour has begun (at least for two moms with little kids) and we must go. If you need us, call the office for details on how to reach us over the weekend.
Happy Halloween! 🎃

**Contest CLOSED - Congrats to our IG winner**- Loan Ranger & Loan Wolf -🎃 CONTEST TIME! 🎃 First person to guess our pun...
10/31/2025

**Contest CLOSED - Congrats to our IG winner**
- Loan Ranger & Loan Wolf -

🎃 CONTEST TIME! 🎃 First person to guess our punny Halloween costumes WINS a CharBOOterie Gift Basket filled with treats, no tricks.

Rules:
🪦 Like & Follow Heritage Financial
🪦 DM Heritage Financial on either Facebook or Instagram with the correct answer to both costumes
🪦 Contest runs until 3 pm PST on October 31st or until someone wins, whichever is sooner

GOOD LUCK & Happy Halloween from the ghouls at Scaritage Financial! 🧟

Celebrating with the best tonight
10/22/2025

Celebrating with the best tonight

Celebrating with the best tonight!
10/22/2025

Celebrating with the best tonight!

For over 35 years, Heritage Financial has had the privilege of helping families across our community and the state of Ca...
10/17/2025

For over 35 years, Heritage Financial has had the privilege of helping families across our community and the state of California find their way home — not just with the right mortgage, but with care, trust, and a genuine commitment to your future.

This recognition means the world to us, because it comes from you — our neighbors, clients, and friends. Every referral, every kind word, every return client reminds us that we're not just doing business — we're building something bigger. We're part of a community that looks out for one another, supports each other's dreams, and grows stronger together.

From our families to yours: thank you for trusting us, supporting us, and allowing us to be a small part of your journey home. Here's to 18 years of pure gold, and many more! 💛🏡💛

What other mortgage companies won't tell you, we will.•••
09/12/2025

What other mortgage companies won't tell you, we will.
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08/26/2025

“I’m going to wait until rates drop.”

But here’s the problem. While you wait, prices keep climbing 📈. Even if rates eventually go down, you could end up paying more for the same home because:
1️⃣ Home prices rise over time – A lower rate on a higher-priced home can still mean a bigger monthly payment.
2️⃣ You miss out on equity growth – If you buy now, your home starts working for you immediately.
3️⃣ Rates are unpredictable – Waiting for the “perfect” rate is like waiting for Mr. Bean to move… you could be stuck for years.
💡 Pro tip: Refinancing is an option if/when rates drop, but you can’t go back in time and lock in today’s home price.

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… said the sleepy eyed Federal Reserve Chairman emerging from his hibernation. HEY GUYS! Guess who woke up?? Looks like ...
08/22/2025

… said the sleepy eyed Federal Reserve Chairman emerging from his hibernation.

HEY GUYS! Guess who woke up?? Looks like good ol’ Powell is finally seeing things through the eyes of Americans. Is that rate cut knocking?
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Address

Ojai, CA
93023

Opening Hours

Monday 8am - 5pm
Tuesday 9am - 6pm
Wednesday 8am - 6pm
Thursday 9am - 5pm
Friday 9am - 5pm

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