Mortgage Services

Let us help you get your dream home. We make it easy to find the loan that works for you. Schedule a free consultation with one of our expert mortgage loan officers.

 Need to pay for an appraisal? Click here to make a payment.

Let us help you get started:

We are proud to offer:

• Local Appraisers - ensure accurate and timely appraisals
• Local Processing - clients receive quality service from members of our community
• Local Underwriting - decisions by knowledgeable professionals within our market
• Local Funding - eliminates last minute glitches for smoother closings

Heritage Oaks Bank is the right choice for your home loan or refinance needs. Just read these testimonials from homeowners and realtors:

"BOB DAVIS just closed a transaction for us under extreme hurdles that were completely unexpected. Bob moved on all cylinders and got the job done! Thank you, Bob, on a job well done!" - Anita Pulido

Financial Planner’s Testimonial
“CRAIG MARLO has been a valuable resource to our practice by helping our clients evaluate and select their mortgage options. We have also relied on his expertise for the refinance of our own home. In addition to being a knowledgeable professional he provides excellent customer service through every step of the transaction. We highly recommend Craig Marlo for your loan and refinancing needs .“ - Donald Ramirez, CFP and Helen Sipsas, MBA, CFPPeak Wealth Advisors, Inc.

Heritage Oaks Bank NMLS# 464418