A native of San Antonio, John attended Alamo Heights High School and Trinity University. He is also an eight year infantry veteran of the United States Marine Corps. John believes that establishing clients’ trust is paramount to successful business relationships.  As your trusted mortgage advisor since 2005, he understands that obtaining a mortgage is one ofthe largest and most important decisions in most people’s lifetime. With a wide array of mortgage products available today, John feels that it is crucial that his clients have a firm understanding of their options so they can make an educated and informed decision. John’s core principle of exemplary customer service has propelled him to his status as one of the top ranking loan officers in San Antonio.

With nearly 20 years of experience, Senior Loan Officer Norma Heard, takes pride in assisting her clients achieve the dream of home ownership. As a native of Puebla, Mexico, Norma has called Texas home for the last 20 years and earned her BBA from Incarnate Word University in 2001. Norma’s years of experience has helped her obtain an expansive knowledge of all mortgage products available today. Her attention to detail is impeccable and exceeding client expectations is the foundation of her business. Contact Norma today and see why she is recognized by her peers as a top loan officer. Her goal is to be your loan officer for life.

Esmeralda Ramirez brings more than 15 years of mortgage expertise to Team Heard in this ever-changing market. In addition to being a top Loan Partner, she has also vast experience as a loan processor with knowledge in all types of loans including Conventional, FHA, VA, USDA, Jumbo, and more. Her dedication to providing an exceptional experience to the borrower is what sets her apart. Friendly and responsive communication throughout the entire loan process is what our clients like most about working with Esmeralda.  She treats every transaction as a priority and manages them with honesty and determination. Hablo español.