Chet Hearn, Loan Officer

Chet Hearn, Loan Officer I specialize in personalized home financing solutions for purchase, refinance, and reverse mortgages. Market conditions and mortgage programs change frequently.

As an experienced mortgage advisor, my mission is simple: make home financing stress-free, transparent, and tailored to YOU. Whether your buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. You need up-to-date knowledge, post-COVID-19, concerning loan qualifications, limitations, their financial impact on lenders, rates, and, most importantly, wha

t effect they may have on you and your family. Make sure you're dealing with a top professional who can give you quick and accurate financial advice. Twenty-Five years of experience in residential real estate and related industries has provided me with the knowledge and expertise you need to explore the many financing options available today. I'm a broker affiliate of US Mortgage Lenders, I not only have access to leading national lenders, but I have access to funding sources not readily advertised, with lenders you wouldn’t think to look for. Undoubtedly, I can find more competitive mortgage rates than banks and other traditional mortgage firms. By letting me do the shopping, you get benefits that are not available to most lenders. I shop and arrange real estate financing for borrowers at wholesale prices. I hope you'll browse my website. Check out the different loan programs I have available, use my decision-making tools and calculators. Of course, you can contact me anytime by phone, text, or email for personalized service and expert advice. Call, text, or email. 830-377-3692.

Pre-foreclosure is the stage before a property officially enters foreclosure. It usually begins after missed mortgage pa...
06/10/2026

Pre-foreclosure is the stage before a property officially enters foreclosure. It usually begins after missed mortgage payments and a notice of default from the lender. Need help understanding your mortgage options? Let’s connect today.

Mortgage transfers can be tricky. Assumable loans may allow it, but most situations need careful review to avoid costly ...
06/09/2026

Mortgage transfers can be tricky. Assumable loans may allow it, but most situations need careful review to avoid costly mistakes. Need help exploring your mortgage options? Let’s connect today.

Happy World Environment Day! Biodiversity is the foundation of our survival. Let's commit to protecting ecosystems and s...
06/05/2026

Happy World Environment Day! Biodiversity is the foundation of our survival. Let's commit to protecting ecosystems and supporting nature conservation every single day.

May your rides be smooth, your energy endless and your health journey filled with joy. Here's celebrating you and every ...
06/03/2026

May your rides be smooth, your energy endless and your health journey filled with joy. Here's celebrating you and every pedal stroke toward wellness.

One extra mortgage payment a year can make a real difference over time. Biweekly payments or annual extra payments may h...
05/29/2026

One extra mortgage payment a year can make a real difference over time. Biweekly payments or annual extra payments may help reduce interest and pay off your loan sooner. Need help exploring smarter mortgage strategies? Let’s connect today.

USDA loans can be a helpful option for eligible buyers in approved areas. Income limits, property standards and location...
05/27/2026

USDA loans can be a helpful option for eligible buyers in approved areas. Income limits, property standards and location rules all matter before moving forward. Need help checking your USDA loan eligibility? Let’s connect today.

A day to remember courage, sacrifice and service. Let us pause and honor those who gave everything for the nation. Memor...
05/25/2026

A day to remember courage, sacrifice and service. Let us pause and honor those who gave everything for the nation. Memorial Day!

1099 income can still open the door to homeownership. With the right tax returns, records and income analysis, freelance...
05/21/2026

1099 income can still open the door to homeownership. With the right tax returns, records and income analysis, freelancers and independent earners can build a stronger mortgage application. Need help understanding your mortgage options? Let’s connect today.

Buying your first home feels easier when you know where you stand. Pre-approval helps you understand your budget, rates ...
05/20/2026

Buying your first home feels easier when you know where you stand. Pre-approval helps you understand your budget, rates and loan options before the search begins. Need help starting your homebuying journey? Let’s connect today.

Pre approval is not the finish line. Your financial profile still matters until closing. Let’s review your file and keep...
05/15/2026

Pre approval is not the finish line. Your financial profile still matters until closing. Let’s review your file and keep everything on track to closing.

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Kerrville, TX

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