We are a Wholesale Direct Mortgage Loan Company located in California. We are directly connected to many of the Nation's Largest Wholesale Mortgage Lenders. Lenders such as Countrywide, Bank of America, Washington Mutual, and many other nationwide mortgage lenders. At Heartland Financial we shop your Mortgage Loan for you, to help you obtain the best mortgage interest rate available in the market. We do this so that the Mortgage Lender's will compete for your business. This not only helps us to earn your mortgage business, but helps you with all your mortgage needs.