Heather Martin
Senior Mortgage Banker | NMLS# 490113
Because no two borrowers come with the same background, each process is tailored to your personal goals, aspirations and milestones. Home buyers come through our door starting somewhere different all the time, but the journey will always en... Show More
Location & Business Hours
Business Hours
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8:30 AM to 5 PM
Fri
8:30 AM to 5 PM
Sat
closed
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Reviews from Web
I found your work magnificent.
Reply from Heather Martin
December 31st, 2025 04:39 PM
Ruth, I appreciate your kind words. Knowing that you found my work valuable means a lot to me. If there's anything further I can assist you with, please feel free to reach out.
You were great!
Reply from Heather Martin
December 29th, 2025 05:01 PM
Christian, thank you for your kind words. I'm pleased to know that you had a positive experience with me. If there's anything else I can assist you with, please feel free to reach out anytime.
Having a checklist of definite things that the VA will require would be very helpful to give to all parties involved in the very beginning of the process. Such as.....water quality test if the property has a well. This could have been done...
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Reply from Heather Martin
December 8th, 2025 03:02 PM
Alan, I appreciate your feedback on the VA loan process. I understand how having a checklist would make these requirements clearer from the beginning. I'll certainly take this into consideration to improve communication and ensure smoother...
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Heather always handles the transaction in a smooth, efficient and professional manner! If there is an issue Heather addresses the issue, resolving in in a timely manner! Our group appreciates Heather and Flat Branch!
Reply from Heather Martin
December 5th, 2025 02:55 PM
Mike, I appreciate your kind words about my approach to handling transactions. Ensuring a smooth and efficient process is always a top priority for me, and I'm glad to know that you felt supported by my efforts. Should you need further assistance...
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Awesome to work with!
Reply from Heather Martin
December 3rd, 2025 02:50 PM
It's great to hear that you found working with me to be a good experience, Jason. I aim to make the loan process as smooth and clear as possible for my clients. If there's anything more you need or any questions arise, please feel free to get...
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Heather is always great to work with , very smooth transaction from start to finish
Reply from Heather Martin
December 1st, 2025 05:06 PM
Doug, I appreciate your kind words. Ensuring a smooth transaction from start to finish is always my priority. If you ever have more questions or need assistance down the line, feel free to reach out.
Heather was super responsive. She was also knowledgeable and helpful to be as questions came up along the way. I appreciate her professionalism and expertise.
Reply from Heather Martin
December 1st, 2025 05:07 PM
Lynn, I appreciate your kind words about my responsiveness and expertise. It's important to me that you feel supported throughout the process, and I'm glad I could assist you with any questions you had. If there's anything more I can help with...
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was always available for questions! She made this the easiest and fastest process I've ever been through!! Heather was very pleasant and professional!!
Reply from Heather Martin
December 3rd, 2025 02:51 PM
Suzanne, I appreciate your kind words. I'm pleased to know that the process was both easy and fast for you. Being available to answer questions and ensuring a professional experience is a priority for me. If you have any more questions down...
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Heather was great to work with and she was so helpfull and nice. you would be doing yourself a diservise if you don't hire her.
Reply from Heather Martin
November 26th, 2025 07:01 PM
I'm glad to hear that you had a positive experience working with me, Christopher. It's important to me that I provide helpful and friendly service. Thank you for your kind words, and if you ever need further assistance, please feel free to...
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Heather Martin is an incredible resource and, most importantly, she actually answers her phone. That’s exactly what you want in a loan officer. She’s helped create smart game plans for buyers who truly needed to wait and for buyers who thought...
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Reply from Heather Martin
November 25th, 2025 04:26 PM
Thank you Lucas! I appreciate your partnership so much. Your honesty to your buyers and help to them is always appreciated throughout the process.
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About
Because no two borrowers come with the same background, each process is tailored to your personal goals, aspirations and milestones. Home buyers come through our door starting somewhere different all the time, but the journey will always end at the home you’ve been working hard for. All of our products are designed with you alongside, so your loan will be shaped perfectly for your wants and needs.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Specialities
Mortgage Loans
USDA Home Loans
FHA Home Loans
VA Home Loans
MHDC Down Payment Assistance Programs
First Time Homebuyer Loans
Conventional Loans
Jumbo Loans
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Memberships
- Randolph County Board of Realtors
- Northeast Central Association of Realtors
- Moberly Chamber of Commerce
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2015
Time Zone
Central Standard Time (CST)
Licenses
- NMLS# 490113
- NMLS 1297531
Achievements
- 2025 Scotsman Guide Top Originator
Hobbies
- Being a Grandma
- Reading
- Decorating
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Disclaimer
Flat Branch Home Loans is an Equal Housing Lender © 2006 - 2024 A Division of Flat Branch Mortgage Inc NMLS# 224149