Local roots, proven process. Your mountain loan expert.
Home Loans By Heather
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.”
DSCR Loans
The secret to unlocking multi-unit ownership and growing your real estate portfolio isn’t about how much personal income you show on paper—it’s about the property itself. That’s where a DSCR (Debt Service Coverage Ratio) loan changes the game
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Reverse Mortgage
At first I thought Reverse Mortgages was a last resort type of loan, but I have had several recent situations where a reverse mortgage was the ideal solution.
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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.
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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.
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.
“I have been a Real Estate Broker for 26 years, and Heather is by far the best mortgage originator I’ve personally worked with. Now that I see the time spent, crunching numbers and researching loan underwriting criteria, I have a new-found appreciation for the entire industry. If she can’t make a loan work, it’s not possible.”
Forrest Hamm
Husband and Obviously Biased, but also a Client
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 or give me a call, and let’s start the conversation.
I’m easy to reach!
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 →
Contact support
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