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Owned and staffed by lifetime Ojai residents
Heritage Financial is owned by local Ojai residents Wanda Sisk Martin and Nita Reid Tracy. Our combined experience in real estate loans, title insurance and the escrow industry covers many years. Our office has been centrally located near downtown Ojai for eight years. Our goal is to create clients for life. 90% of our business comes from repeat borrowers, their referrals and local REALTORSŽ. As an active member and past president of our local Optimist Club, most of our advertising funds are spent on youth related programs.

We pride ourselves on friendly, fair, fast and honest service
We use the most advanced technology available to close loans quickly and at a low cost. By combining the use of the Internet with advanced processing software and automated underwriting systems, we have taken the mystery out of approving and closing a home loan. We provide you and your loan package with a personal touch. We are available to answer your questions immediately and process your loan ourselves. With many lenders on our active list, we can place your loan with the one that best meets your needs.

Our lenders and programs
We specialize in residential Real Estate loans. We are FHA and VA approved, and approved by more than 20 lenders. But we choose to use a few and create long term relationships. We offer the most competitive rates on Jumbo and Conventional loans as well as the less than perfect credit loans. We do quick and easy seconds and equity lines at a cost of $500.00

Helpful hints

Get Pre-qualified
Getting qualified before you apply for a loan helps you know how much you can borrow. When buying a house, you can get pre-qualified or pre-approved. You typically can get pre-qualified over the phone or on the Internet in a few minutes. However, a pre-qualification is not as beneficial as a pre-approval where you have to go through a more rigorous process which includes verification of your credit, income, assets and liabilities. It is highly recommended that you get pre-approved before you start looking for a house.

This will help you:

Determine the maximum house you can buy, so you don't waste time looking for properties you can not afford.
Be in a stronger position when you are negotiating with the seller, because the seller knows that your loan is already approved.
Have an advantage over other buyers bidding for the same property who are not pre-approved.
Experience a quicker close, since your loan is already approved. Having your assets and credit in order makes a smoother transaction. The cleaner your credit, the better your loan.

Things to consider when comparing lenders
Make sure you ask, "Are ALL fees disclosed?"

Decide whether their different programs are thoroughly explained.

Are they mailing you an application to fill out or doing it for you? Will your loan be processed by fax and mail at your expense?

Is the lender from out of the area? Do they know Ojai and work with appraisers that know Ojai?

If you are using a bank or direct lender and your loan is declined, you may have to start from the beginning with a new lender, providing all the information again! With a broker like Heritage Financial, you provide the information one time and your credit gets checked once (multiple credit checks affect your credit rating).