What We Do

About Us

What Our Clients Say


“Great Job- Thanks for your help!”

- Jake Y, Hill Country Village, TX

“John was awesome! The best, most professional, most knowledgeable and communicated better than any lender we have ever dealt with! Thank You!!!”

- Maggie P & Stephanie G, San Antonio, TX


Team Members


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.

Team Loan Officer
Born and raised in San Antonio, Nick has enjoyed watching the growth and development of this city he calls home. Growing up, he attended James Madison High School and then went on to attend The University of Texas at San Antonio on a track and field scholarship. As a collegiate athlete at UTSA, Nick has understood the importance of working together on a team and the work ethic needed to perform at his best. He has brought this work ethic and passion to the mortgage industry, to serve his clients and help them realize their dream of homeownership. Nick’s dedication to his craft has helped him simplify the home buying process and provide a level of customer service that is second to none. As a member of Team Heard, Nick will be there to answer any questions and ensure that crossing the finish line is a pleasant experience

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.