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Achieve your personal financial goals

15+ years combined lending experience

Expertise, Experience and Strength

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Welcome to Heritage Financial Corporation

Heritage Financial Corp was founded in 1998 with a commitment to break down the barriers to owning a home and educating homeowners. Heritage Financial has helped hundreds of families find ways to accomplish their home ownership needs, whether buying a first home or refinancing your current loan. Heritage financial Corporation has the professional expertise and knowledge to put together the home financing that is just the perfect fit for you.

What do we offer


When it’s time to purchase a home or refinance your existing mortgage, it’s important to work with a company that can offer you a wide variety of home loan options. Unlike most lenders, First Heritage Financial has access to just about every option available in the industry.


Heritage Financial Corporation believes you deserve to work with experts in the industry who are accurate, communicate transparently, and know how to effectively solve problems. Your loan approval, timeliness of closing on your new home loan, and your overall experience originates from the personnel that handle your loan application. Not only will you have highly-efficient experts processing your application, but you will also be in the hands of a mortgage lender with over 15+ years combined lending experience.

Our niches

  • Non approved condos
  • Cash out LTVs are same as R/T and Purchases
  • No seasoning on Cash out Owner Occupies - Flexible on Investment properties
  • LTVs are the same for 2-4 as single family
  • Will escrow on purchase transactions if there are "costs to cure"
  • NO credit scoring
  • Flexibility on SOF
  • 90 day rate locks
  • NO "loan level price adjustments"
  • 80 LTV to $1M
  • Commercial Loans at 0 points
  • 30 year amortization on Multifamily (over 4 units)
  • Construction Loans (loan amount is determined by finished value not cost)
  • Rehab Loans
  • PITI Wash on Rental income
  • Alimony is deducted from income and not as a debt
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