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

Heritage Oaks Bank and Business First Bank serve people who reside in or own property in, or adjacent to,  the counties of San Luis Obispo and Santa Barbara.  We do not accept loan applications  for loans secured by real property outside of the State of California. 

	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.
	Applying for a loan? Our online application process is conveniently designed to allow you to stop any time and pick up where you left off. After you submit an application, you can check loan status at your convenience.
	Remodeling your home? If you are planning on remodeling your home - be it a kitchen, bathroom or backyard - you can contact one of our mortgage professionals who will help find the right loan for you.