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Welcome to our website. We look forward to putting our mortgage services to work for you!

Heritage Oaks Bank serves new homebuyers and existing homeowners in San Luis Obispo, Santa Barbara and Ventura Counties.  Let’s work together to make your mortgage loan right for your finances and lifestyle.


Purchasing a new home?  Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer.
Refinancing your home?  If you'd like to consolidate debt, reduce your mortgage payment or remodel your home, a refinance may be the best way to make it happen. 
  Applying for a loan?  Our online loan application process is conveniently designed to allow you to stop any time and pick up where you left off.




7480 El Camino Real, Atascadero, CA  93422
Direct:  (805) 369-5138
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