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Local roots, proven process. Your mountain mortgage expert.

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Cabin dreams, simplified.

Invest in the view.

Fund your mountain goals.

My family’s ties to the North Georgia mountains go back five generations, which means my understanding of this local market is quite literally in my blood. For nearly 20 years, I’ve been immersed in the banking industry, learning the business from the inside out. I began my career as a bank teller and climbed the ranks to become a Senior Loan Officer at Epic Mortgage. Now, I leverage that national-level industry expertise alongside my homegrown roots to give you a smooth, confident path to closing and my ultimate goal is to provide a streamlined, transparent, and trusted loan process from start to finish.”

Loan Products

Finding the perfect home requires finding the perfect mortgage. We offer a comprehensive suite of loan products designed to fit your unique financial situation including but not limited to: Conventional, Jumbo, FHA, USDA, VA, and non-QM (or non conventional) specialty and niche programs.

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DSCR Loans

The secret to unlocking STR or long term rental investment property ownership and growing your real estate portfolio isn’t about how much personal income you show on paper—it’s about the rental income of the property itself. That’s where a DSCR (Debt Service Coverage Ratio) loan changes the game. Instead of verifying personal income, W2s, or tax returns, you qualify based on whether the property’s rental income covers the monthly mortgage (PITI).

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Mortgages for Self-Employed Borrowers

Navigating the mortgage process as a self-employed borrower can be challenging. We take the frustration out of the process by making mortgage products available that are specifically designed for self-employed borrowers.

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First Time Homebuyers

Buying your very first home is a huge milestone, but I know how overwhelming it can feel when you’re looking at all the different loan options, down payment requirements, and paperwork. You shouldn’t have to figure it out alone and I will help you every step of the way.

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Why Choose Heather?

When you’re dealing with one of the largest financial decisions of your life—whether that’s buying your first cabin, funding a multi-unit investment property, or securing your retirement— I believe you need more than just a 1-800 number or an automated online portal. I’d like to be a partner and I am genuinely invested in your success.

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Learn more

 
 
 
  
 
 
 
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 Joseph Johnson 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Heather was wonderful to work with. She made the entire process go smoothly and was always there to answer any questions we had.
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 K D 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
I highly recommend Heather Hamm and her team at Epic Mortgage for your loan needs.  Heather is great to work with, very professional and stayed in constant communication with us throughout our loan process from start to finish.  She is very knowledgeable and helped us find additional options for us to consider to help us reduce costs in our financing.
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Jack Monroe 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Heather and Epic Mortgage were great! From start to finish a very easy process
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Holly Sands 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Heather was wonderful at helping me to refinance my home for a much lower monthly payment.  She definitely helped me more than the bank that I was previously at.  Heather explained everything very thoroughly and offered solutions to any problems that arose instead of just saying there was a problem and expecting me to know how to solve it.  I recommend her to anyone looking to get a mortgage!
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Debby Cole 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Heather Hedden has been a WONDERFUL lending agent for us….two different times!!  She went above and beyond the norm to secure us a new loan while we still had a current home loan!  I truly believe it is completely her hard work, dedication and the investment of extra time which helped us to secure a loan while having another one. She wrote letters of support to her lenders and made contacts and phone calls…what an amazing agent. If you are needing any type of loan and you may have challenges, she is your go to person!  Thank you Heather!!
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Julie Norquest 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Heather is a delight to work with! Helpful every step of the way, Efficiently got us to closing ahead of schedule. Despite how tedious getting all of the documents needed I felt uplifted after our interactions. I would refer you to Heather Hedden!
  
 
  
 
 
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I’m Ready When You Are!

Your real estate goals are on your timeline, not mine. Whether you’re just kicking the tires or ready to lock in a rate today, I’m here to provide honest advice and a clear path forward. No pressure, no rushed decisions. Just reach out, and let’s make it happen.

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Ready to Get Started?

Taking the next step in real estate shouldn’t feel like a high-pressure sales pitch. Whether you are ready to put in an offer this afternoon or just want to run some preliminary numbers to see what’s possible, I am here to move exactly at your pace. Send me a message, email, or give me a call, and let’s start the conversation.

I’m easy to reach!

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Check out our Calculators!

Want to play with the numbers? Mortgage calculators are the easiest way to see changes in real time.

See Calculators in Action Here →