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Heather Roberts
Vice President | Mortgage Loan Executive

My name is Heather Roberts and I am a Vice President/Mortgage Loan Executive for First Horizon Bank in the Key West area. First Horizon Bank is committed to making your banking experience the best it can be with innovative, convenient servi... Show More
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Heather Roberts has received a review with 5 star rating from Christiaan W
Reply from Owner
August 21st, 2025 12:52 PM
Christiaan, thank you for your wonderful feedback! I'm delighted to know that your experience was positive. It's great to hear that you found my assistance helpful. If there’s anything else you need or questions you might have, feel free to...
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The whole process was fantastic I have bought 5 house sin my life and this was by far the smoothest of them all
Reply from Heather Roberts
August 21st, 2025 12:53 PM
Christiaan, thank you for sharing your positive experience. I'm delighted to hear that this home-buying process stood out as the smoothest for you. It's wonderful to know that everything went smoothly, and if there's anything more I can do...
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Financing a 2nd home is always harder than main residence, but Heather walked me through it with flying colors. This is my 5th home financed with Heather over 25 years which proves to me she is not only stable/reliable she is KNOWLEDGEABLE....
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Reply from Owner
August 7th, 2025 12:11 PM
James Spreitzer, you for reaching out to us! We are so glad to hear about your experience. Satisfaction is a top priority here at First Horizon. We value your feedback and make it our goal to deliver the best customer service possible. We have...
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Heather Roberts has received a review with 5 star rating from John H
Reply from Owner
August 21st, 2025 12:54 PM
John, thank you for your wonderful feedback! I’m delighted to hear that you had such a positive experience with my support. Providing knowledgeable and attentive service is always my goal, and I'm glad it resonated with you. If there's ever...
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The communication and support through all phases of the loan process was top notch and made everything simple and easy.
Reply from Heather Roberts
August 21st, 2025 12:54 PM
John, I'm delighted to hear that the communication and support throughout your loan process were effective. Making the experience smooth and straightforward is always my goal, and it's great to know that it was helpful for you. If you ever...
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Heather is extremely knowledgeable. She conscientiously answers all emails and questions. I recommend her and would definitelyuse definitely use her again for any future loans. My only suggestion is to have her assistants communicate a little...
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Reply from Heather Roberts
August 21st, 2025 12:55 PM
Patricia, thank you for sharing your experience. I'm delighted to hear that you found my knowledge and responsiveness helpful. It's great to know that you're happy in your new home. I appreciate your feedback regarding the communication with...
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Smooth and easy
Reply from Heather Roberts
August 21st, 2025 12:55 PM
Steven, I'm delighted to hear that your experience was smooth and easy. Ensuring a straightforward process is always a priority for me. If you ever need anything else or have questions in the future, feel free to reach out.
Heather Roberts has received a review with 5 star rating from Key W
Reply from Owner
July 18th, 2025 06:39 PM
Key, I truly appreciate your generous feedback! It was a pleasure assisting you with your needs at First Horizon Bank. I'm glad I could be there to provide the professional and courteous service you deserved, and it's rewarding to know that...
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Heather and First Horizon exceeded our expectations. Consistently prompt; excellent communication between us and the loan processing team; responded to our questions even after hours; and seemed truly joyed to assist us. Her knowledge about...
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Reply from Heather Roberts
July 18th, 2025 06:40 PM
Greg, I'm thrilled to hear that I exceeded your expectations and that the experience with First Horizon was so positive. Being prompt and available to address questions is something I truly value, and it's wonderful to know it made a difference...
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Heather Roberts has received a review with 5 star rating from Justyna C
Reply from Owner
July 18th, 2025 06:41 PM
Justyna, thank you for your generous review! I'm truly happy to know that your experience was so positive. It means a lot to me that you found my assistance helpful. If there's anything else I can do for you or any further questions arise,...
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About
My name is Heather Roberts and I am a Vice President/Mortgage Loan Executive for First Horizon Bank in the Key West area. First Horizon Bank is committed to making your banking experience the best it can be with innovative, convenient services and helpful, knowledgeable people. From your first checking account to the loan you need to build a home or business, we are committed to helping you at every stage of your financial life. Contact me today!
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Medical Professional Mortgages
Fixed Rate Mortgages
DSCR Loans
Self-Employed Mortgages
Specialities
Adjustable Rate Loans
Fixed-Rate Mortgage
First Time Homebuyers
VA
FHA
Conventional
Florida Bond Loans
Hometown Heroes
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Positions
- First Horizon Bank - Vice PresidentApr 1st, 2004 - Current
Memberships
- Key West Chamber of Commerce
- Habitat for Humanity Finance Committee
- Key West Association of Realtors Affiliate
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2000
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 472329
Gallery





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+7
Achievements
- 2024 Scotsman Guide Top Originator
- 2023 Scotsman Guide Top Originator
- 2023 First Horizon President's Circle
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Hobbies
- Little League
- Spending time with friends and family
- Attending Concerts
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Disclaimer
Banking Products and Services provided by First Horizon Bank. Member FDIC. Equal Housing Lender.