Home Loans with Heather Martin

09/09/2026

5.0 star review received on Experience.com for Heather Martin by Samantha N H - The whole process from start to finish was pleasant and quick. Heather and Ashley were both so kind and helpful.

Click to see all 361 reviews of Heather Martin, Senior Mortgage Banker | NMLS # 490113

09/08/2026

You DON'T need to be completely debt-free before buying a home! ⬇

When reviewing a mortgage application, we look at more than just your debt. We also consider factors like:
💰 Your income
📊 Credit history
📋 Debt-to-income ratio
🏦 Available assets and savings

Whether you're buying solo or working with a growing family, we're here to help! 🏠

Use our DTI calculator here: https://flatbranchhomeloans.com/resources/dti-calculator

09/05/2026

5.0 star review received on Experience.com for Heather Martin by Eric J K - Everything was very quick and professional

Click to see all 360 reviews of Heather Martin, Senior Mortgage Banker | NMLS # 490113

09/05/2026

5.0 star review received on Experience.com for Heather Martin by Dustin G - Heather was extremely helpful with any questions I had and always got back with me quickly. I'm very thankful to have had her to help with out loan proces.

Click to see all 360 reviews of Heather Martin, Senior Mortgage Banker | NMLS # 490113

09/03/2026

Looking for ways to make your mortgage payment more manageable in the early years of homeownership? 🔍

A buydown program allows for a temporarily reduced interest rate at the beginning of your loan, which can mean lower monthly payments upfront. 📉🏡

We offer buydown options designed to help buyers ease into homeownership while planning for the future.

Reach out today and let's explore your options together!

For more information on our buydown programs, click here: https://flatbranchhomeloans.com/loan-programs/buydown-programs

09/02/2026

5.0 star review received on Experience.com for Heather Martin by Samantha S M - Heather was so easy to work with. Very informative and responded quickly to all of our questions.

Click to see all 358 reviews of Heather Martin, Senior Mortgage Banker | NMLS # 490113

09/02/2026

5.0 star review received on Experience.com for Heather Martin by Andrew J M - Heather and her staff were excellent to work with! Highly recommend.

Click to see all 358 reviews of Heather Martin, Senior Mortgage Banker | NMLS # 490113

09/02/2026

5.0 star review received on Experience.com for Heather Martin by James M G - Everything went smoothly.

Click to see all 358 reviews of Heather Martin, Senior Mortgage Banker | NMLS # 490113

09/01/2026

Ever hear someone say, "inventory is high" or "inventory is low" and wonder what that means? 🤔

Inventory simply refers to the number of homes currently available for sale in a market. ✅

For buyers, inventory can impact:
🏠 How many homes you have to choose from
💰 How competitive the market feels
⏰ How quickly you may need to make an offer

Understanding inventory is one of the first steps to making a confident homebuying decision. If you're thinking about buying, we're here to help you!

08/28/2026

5.0 star review received on Experience.com for Heather Martin by Jessica W - Everything went very smooth and progressed quickly. Heather always answered my questions and concerns promptly. She made the whole process very easy.

Click to see all 355 reviews of Heather Martin, Senior Mortgage Banker | NMLS # 490113