Tracy Windhorst


I have been in the mortgage origination industry for 25 years now. In 2012, I took the leap of faith after working for banks and larger mortgage companies my whole life and went into an ownership position with my brother Tim Windhorst and colleague Rande McMaster at Heritage Home Loans. We opened up our Spokane Valley location in 2012 and have been growing our business to become one of the most desired lenders in the Spokane market area. We have instituted in-house processing and in-house underwriting which has created a very quick turn time for loan approvals and closing. Our Loan Officer Compensation plans are top in the industry while our pricing and fees assessed to clients are some of the lowest in the industry as we have done away with traditional over-head and bureaucracy of the larger banks and lending institutions. We strive to be each and every client’s lender for life and go out of our way to make each client’s experience with us a pleasurable one.

Phone: 509-599-3101

Fax: 509-252-4001


States we serve is Washington and Idaho map
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Reviews & Comments

"Tracy Windhorst and staff took on the challenge of getting me a home loan after a bad experience with a previous lender. Heritage home loans staff are professional, precise and awesome to work with. They made the process smooth and made me feel comfortable in a very uneasy process. I thank them for their incredible attention to detail and fulfilling and following through their words with actions. I thank them and highly recommend them."

"I was in desperate need of a new lender! My current lender was not working and while in the process of closing they couldn't make it happen. My relator referred me to Tracy and his amazing team. They were able to completely redo my loan file and close before the 30 days! They were extremely helpful and quick."

"I was referred to Tracy by a friend. My experience with him and his team is the best experience I have had with refinancing homes. His team is very professional, efficient, and knowledgeable. I have already referred him to friends and family and will continue to do so."

"We really wanted to close on our home quick and Tracy made it happen! He was very knowledegable in the different types of loans there were and got the best one for us and ended up saving a little over $200 a month on our mortgage. Whenever we emailed him with questions, we got a response almost immediately every time and with this being our first home purchase, we had a lot of questions all the time. We are very happy and will definitely use Tracy in the future!"

My Mortgage Team

Ali Gonzalez – Loan Partner I

Tara Kautzman – Loan Partner II