Headshot of John Heffron

John Heffron

Loan Officer, Mortgage Expert

Heber City, UT Mortgage Lender

NMLS #1542713

37 East 100 North, Suite 101
Heber City, UT 84032
Contact Methods
tel Phone
mobile Mobile
(858) 757-4441
fax Fax


About John

Since I’m on the front line with homebuyers, I‘m committed to making the process as simple and transparent as possible. I have experience as a buyer and seller in more than five states, giving me a full understanding of how impactful each home loan is. This is why you can trust me to approach every part of your home financing with the highest level of composure and care.

Whether you’re buying your first home, next home, or an investment property, I offer a variety of loan programs to fit your goals. From conventional and jumbo to FHA and VA, I’ll discuss the specifics and personalize the mortgage experience to fit your needs. Throw me whatever curveball, slider, or cutter you have, and I’ll hit it out of the park.

From our first discussion to your closing day, I look forward to providing the communication and service you deserve.

I’m a dedicated family man born and raised with five siblings in Indiana. After 22 years of raising my family in the New York City area, my wife Karin and I packed up, headed straight to San Diego, and never looked back as we started our new adventure! Despite my deep East Coast roots, I’m thrilled to live in California. Just don’t ask who my favorite baseball team is!


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
Equal Housing Opportunity

Tap into your
home equity - fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity.

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days.

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at 619-430-2665