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David Heard - Branch Manager | NMLS#  244146 in Oak Harbor, WA

David Heard

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Branch Manager | NMLS# 244146

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Founded in 1997, Envoy Mortgage is an independently owned, full-service mortgage lender headquartered in Houston, TX. As a Fannie, Freddie and Ginnie approved seller/servicer, Envoy branches offer a full menu of loan products with locations... Show More
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Location & Business Hours
Business Hours
Wed
8 AM to 5 PM
Thu
8 AM to 5 PM
Fri
8 AM to 5 PM
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Overall Ratings
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5 Star
97%
4 Star
2%
3 Star
0%
2 Star
0%
1 Star
0%
Reviews from Web
  • Encompass
    A
    Albert L
    Davis, CA
    Posted on July 19th, 2020 02:11 PM
    Dave was very knowledgeable, and was enthusiastic and efficient at serving our needs starting from the first day we met up.
  • Encompass
    N
    Nathan D
    Rocklin, CA
    Posted on July 14th, 2020 11:54 AM
    Dave was knowledgeable and honest, and showed great integrity throughout my home buying process. He was easy to reach and made the whole process go smoothly. My family has worked directly with Dave for years and will continue to do so as long...
    read more
  • Encompass
    C
    Christine L
    Woodland, CA
    Posted on July 6th, 2020 02:23 PM
    Dave always gives us excellent, timely customer service. He always makes sure we understand the process and strives to get us the best rates possible. It is a pleasure to work with Dave!
  • Encompass
    C
    Christopher S
    Woodland, CA
    Posted on July 6th, 2020 10:49 AM
    Dave is the finest finance professional I have ever enountered, regardless of specific industry. Period.
  • Encompass
    D
    Don
    Woodland, CA
    Posted on July 5th, 2020 04:53 PM
    Dave has been my go to Lender for 40 years. On this transaction the Buyer chose a different Lender who could not provide financing after wasting 45 days. I had them talk to Dave and he figured it out in 1 day and we closed 21 days later.
  • Encompass
    M
    Manar A
    Woodland, CA
    Posted on July 2nd, 2020 07:49 PM
    Dave and his team were nice and cooperative. I felt that they were eager to help us get the loan. I felt they knew exactly what they were doing and how to help the underwriter to give us the approval. Thank you, guys!
  • Encompass
    P
    Patrick D
    Davis, CA
    Posted on June 28th, 2020 10:07 AM
    Timely and courteous. Minimal required docs. Thanks for being patient Dave. :)
  • Encompass
    J
    James B
    Davis, CA
    Posted on June 26th, 2020 01:50 PM
    Dave worked hard to get the loan processed. There was difficulty with online submission issues, but he worked around it in a timely, positive manner.
  • Encompass
    S
    Sharon L
    Davis, CA
    Posted on June 26th, 2020 01:21 PM
    Dave is friendly and knowledgeable.
  • Encompass
    V
    Van E
    Visalia, CA
    Posted on June 18th, 2020 05:57 PM
    Dave was great to work with. We have used him in the past for both purchases and refinances. His communication was timely and relevant. He looked for opportunities to save us money--and did! He was also available to take our calls even after...
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    About
    Founded in 1997, Envoy Mortgage is an independently owned, full-service mortgage lender headquartered in Houston, TX. As a Fannie, Freddie and Ginnie approved seller/servicer, Envoy branches offer a full menu of loan products with locations across the U.S. Licensed in 49 states, Envoy branches provide outstanding customer service by offering a full menu of loan products with the tools, expertise and technology needed to support all functions of the mortgage process. For more information, visit http://www.EnvoyMortgage.com. Envoy Mortgage, Ltd. NMLS #6666.
    Products & Services
    Mortgage Loan Officer
    FHA Home Loan
    VA Home Loan
    Jumbo Home Loan
    Mortgage Refinance
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    Disclaimer
    Equal Housing Opportunity

    ©2026 Envoy Mortgage, LTD. NMLS #6666, All Rights Reserved
    952 Echo Lane, Suite 190 Houston, TX, 77024
    (877) 232-2461 or (713) 977-8005

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