Honest pricing
A loan estimate that does not balloon at the closing table.
About Heritage Financial
Speed. Service.
Reliability.
A locally-owned mortgage broker built for the way people actually want to borrow today.
Who we are
A mortgage broker on your side.
Heritage Financial, Inc. is a residential and commercial mortgage broker licensed in Maryland, DC, Delaware, Pennsylvania, and Virginia. Because we are a broker — not a bank — we tap a network of wholesale lenders to find your absolute best fit, instead of being limited to a single rate sheet.
We pair that lender network with real human service: direct cell numbers, after-hours availability, and loan officers who know mortgage products inside and out.
"Borrowers do not need another bank — they need someone shopping their loan like it was their own."
Heritage Financial
Our founding belief
What we stand for
Promises we make to every borrower.
Fast decisions
Pre-qualified in 24 hours. No more wondering where you stand.
Personal service
Direct cell numbers. Texts welcome. Real humans only.
Real rate shopping
A network of wholesale lenders, one application — you only see what wins.
Modern process
Upload from your phone, e-sign in 90 seconds.
Local expertise
We know MD, DC, DE, PA, and VA county-by-county.