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Heritage Home Loans – Your Trusted Mortgage Experts!

Heritage Home Loans has taken what has always been a people-driven business and sprinkled in some of the industry’s leading technology to make the loan process easier, faster, and more enjoyable for our customers.

  • Streamline online application process
  • Expert guidance and dedicated customer support
  • Flexible mortgage options tailored to your needs

Ready to embark on the journey to homeownership? Get started today!


Start your Pre-Approval the Easy Way!

Use our Award-Winning mobile app, or fill out your pre-approval online in just a few minutes. Then start uploading your pre-approval documents the easy way!



Support is On The Way!

Next, one of our experienced Mortgage Advisors will review your app, and schedule your Personal Loan Review to go over your loan options.

You're On Your Way!

And finally, look for your next home with confidence knowing your financing is ready to roll! We can even hook you up with a local Realtor to find homes for you, just ask you Mortgage Advisor for a trusted referral!

Unleash the Power of Your Home's Equity with a Cash-Out Refinance!

Use your hard-earned equity to:

  • Lower your monthly expenses and consolidate high interest debt
  • Do some much needed home improvements or additions
  • Use as a Down Payment on a Second Home or Investment Property

Here’s what our customers are saying!

Michael-Kim Dominguez
Michael-Kim Dominguez
Del Avery and the team at Heritage Home Loans ……. WHAT A TEAM!!!! Del and the team got my wife approved AND into our house in, I believe, record time (3 weeks!!!). We found our house and viewed it on December 8, 2022, put in an offer on December 9th, and closed on the house AND moved into our house on December 30th!!! Del made sure to keep up with all the paperwork and was available to ask questions even after hours (and Lord knows we utilized those after hour times a few times). He NEVER complained and made sure all of our questions were answered completely!!! Del stuck with us throughout the whole process and even was at our house when we showed up w/ the moving truck on the 30th!!! Kim and I will definitely use Del in the future and we HIGHLY RECOMMEND anyone looking for the BEST to look no further than Del, Tim and the whole Heritage Home Loans Team!!! Thank You Del, Tim, and the rest of the Team for ALL that you have done in helping Kim and I secure our “Forever Home”!!!
Dylan Williams
Dylan Williams
DAVID AVERY is the best to work with!!! At first I didn't really believe David when he told me that he could help me refinance as we are in a unique situation - I am a student working part-time with two properties. A bank we had done business with before kindly turned us away, but David and his team were able to help us refinance. We were able to pay off our new car, a HELOC, and give us cash to someday invest for our next property. He was able to do all of this without a noticable change to our monthly mortgage payment. I highly recommend getting in touch with David and he will work with you to make a personalized plan for you to reach your goals!
Vitaliy Vedenev
Vitaliy Vedenev
Heritage Homes have absolutely been incredible to work with. They made it super easy for us. Would highly recommend them.
Kylie Cislo
Kylie Cislo
Hunter Zier and his team, Tanya and Jackie are hands down out of this world!!! A year ago Hunter and his team helped us buy our first home in this crazy market! The whole process was smooth, and not as scary as I thought it would be, because Hunter answered every single question we had and was always working late and hard to get us to close. We are now in the process of refinancing our home and his team helped us save on our mortgage payments monthly and remove the PMI!!! I 100/10 recommend to call Hunter or Tanya for your home loan needs! They are so kind and professional and do what's best for their clients. THANK YOU HUNTER ZIER AND TEAM!!!!!!! - Emersen and Kylie
Patrick Ross Jr
Patrick Ross Jr
Del was great to work with!! He was straight forward and prompt. He delivered exactly what he said he was going to, when he said he was going to. Couldn't have asked for a better experience with our refinance. Thanks Del
Jason And Vanessa Anderson
Jason and Vanessa Anderson
Tim and Leona were a joy to work with! Couldn’t be happier with their Service!
Alisha Davis
Alisha Davis
Carol was great to work with! She got my loan processed in a timely manner, is very friendly to work with and went above and beyond to make sure my paperwork was signed in time. She kept me informed every step of the way! I would definitely recommend giving her a call if you need a home loan!
Kaitlyn Montoya
Kaitlyn Montoya
Tracy and his assistant Ali were wonderful. They were very helpful, easy to work with and made sure the process went smoothly from start to finish. Great company. I would highly recommend!
Nathanael Hippauf
Nathanael Hippauf
Ty and his team are above and beyond the best people to work with. I’ve taken out a few loans for cars and school now and they have been the easiest and most clear to work with. Professional, prompt, personable and perspicuous (it means clear and transparent, but I had to do the alliteration. Haha!) I would recommend them to anyone, OVER anyone.

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Frequently Asked Questions?

How do I get pre-approved for a home loan?

Let’s help you get pre-approved, it’s never been easier! Fill out our quick, award-winning application now and we’ll guide you through the rest of the process towards your pre-approval, and get you out looking for your dream home! Apply Now!

How can I find out how much home I qualify for?

Use our online tool for prequalification and connect with a loan officer. Understand your borrowing capacity before house hunting. Further, your loan officer can verify your assets, income, and assist in obtaining a formal credit approval before you make an offer.

What are mortgage points?

Mortgage points, or discount points, are a one-time fee for a lower interest rate. One point equals 1% of your loan amount and can reduce your rate by 0.125% to 0.25%. Be aware, lenders’ fees vary; they might waive or add fees, altering total mortgage costs.

What’s an APR?

APR, or Annual Percentage Rate, represents the total cost of borrowing, including the interest rate and additional costs such as origination fees or points. It provides a comprehensive view of the loan’s cost annually, helping compare different loan offers.

Can I still get a mortgage if I have bad credit or have filed bankruptcy?

Yes, it’s possible to get a mortgage with bad credit or post-bankruptcy, although it might be more challenging. Some lenders specialize in ‘bad credit’ mortgages. Additionally, FHA loans are designed for those with lower credit scores. Consult with our experts for personalized advice.

I just got a new job. How does this impact getting a mortgage?

A new job can impact mortgage approval, as lenders prefer stable employment history. However, if the job is in the same field and has a higher income, it could be positive. Every situation is unique, so we recommend discussing your specific circumstances with our loan officers.

What are closing costs?

Closing costs are fees and expenses paid at the end of a real estate transaction. They may include loan origination fees, appraisal fees, title searches, title insurance, surveys, taxes, and credit report charges. Typically, they range from 2-5% of the purchase price.

What is mortgage insurance?

Mortgage insurance is a policy that protects lenders against losses if a homeowner defaults on their mortgage. It’s typically required for home loans with a down payment less than 20% of the property price, to offset the risk taken by the lender.