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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
    H
    Helenna G
    SACRAMENTO, CA
    Posted on January 15th, 2024 03:56 PM
    Dave is a good guy and professional but there seemed to be a lot of last minute admin requests and re-sending of previous paperwork. Also the house appraisal was very fast and came in $50K under what was expected. But the deal still went through...
    read more
  • Encompass
    A
    Amber L
    Vacaville, CA
    Posted on August 26th, 2023 01:48 PM
    Dave is great with communication, professional and quick to close! I’ve worked with Dave numerous times and our transactions are flawless.
    Reply from David Heard
    October 14th, 2026 06:51 PM
    Thank you Amber! This means a lot to me!
  • Encompass
    M
    Marissa G U
    Woodland, CA
    Posted on August 9th, 2023 02:22 PM
    Very easy process. Dave was very helpful through everything.
  • Encompass
    B
    Becky M
    Woodland, CA
    Posted on August 4th, 2023 03:51 PM
    Dave is fantastic! His experience and timeliness made everything go so smooth !
  • Encompass
    M
    Mackenzie H
    Davis, CA
    Posted on August 1st, 2023 07:00 PM
    Also great communication. Was able to close quickly!
  • Encompass
    D
    Debbie R C
    Yountville, CA
    Posted on July 20th, 2023 06:14 PM
    Dave and his team were the best!
  • Encompass
    J
    Julia W
    Davis, CA
    Posted on June 22nd, 2023 01:41 PM
    Dave was stellar! Looking forward to our next transaction together. Thank you!
  • Encompass
    M
    Melrina H
    Davis, CA
    Posted on May 6th, 2023 02:27 PM
    I like talking to one person an done person only. Dave is very responsive and knowledgeable
  • Encompass
    D
    Don S
    Arbuckle, CA
    Posted on February 17th, 2023 02:53 PM
    Working with Dave Heard is always a great experience. He goes the extra mile with communication and meeting time lines.
  • Encompass
    I
    Ian D S
    Arbuckle, CA
    Posted on January 29th, 2023 03:30 PM
    Dave was in touch with me the entire time with info, good or bad. He gave it to me the way it was.
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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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    Time Zone

    Central Standard Time (CST)
    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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