Loans & Mortgages

loans_mortgagesLending options tailored for your individual needs.

Whether you're looking for a new home, buying a car, financing an education, or handling one of life's emergencies, Heritage Oaks Bank has a loan or line of credit custom-made to meet your immediate needs. Big spending decisions shouldn't mean big hassles—let one of our dedicated loan specialists work with you to structure the right loan for you.




Home mortgage

Home Mortgage
  • Apply Online
  • Free Consultation
  • Conforming, FHA, VA and USDA
  • Purchase or Refinance
  • Local processing, underwriting, documents, and funding


home equity

Home Equity
  • Loan amounts from $10,000
  • Dedicated loan advisors
  • Fast access to your cash
  • Low interest rates

Vehicle Loans

  • Car LoanLoan amounts from $2,500 to $100,000
  • Excellent new or used car rates
  • Flexible options that allow you to buy from a dealer, the classifieds, or a friend


Personal Loans

Personal Loans
  • Borrow up to $10,000
  • Home ownership not required
  • Dedicated loan advisors to consult and streamline the process
  • Financing for debt consolidation, student expenses, dream vacations

Personal MoneyPlus

  • Car LoanOverdraft protection for those seeking access to funds whenever needed
  • Four amounts available $1,000, $2,500, $5,000, $10,000
  • No collateral required