Heather Douglass · Branch Manager · NMLS 224359
30+ Years of Mortgage Experience. Straight Answers. Smooth Closings.
Whether you are building from the ground up, renovating, buying, or refinancing, Heather gives you clear guidance and a steady hand from application to closing.
30+
Years originating mortgages
6
Western states licensed
OTC
One-Time Close construction specialist
203(k)
FHA renovation loan specialist
Why work with Heather
Experience That Makes the Complicated Simple
Three decades in mortgage lending means Heather has seen nearly every scenario: tight timelines, self-employed income, construction budgets that shift, and renovation projects with a lot of moving parts. She explains your options in plain English, tells you what to expect before it happens, and stays with you through closing.
- Direct access to an experienced Branch Manager
- Clear, upfront explanations of your options and next steps
- Specialized expertise in construction and renovation financing
- Licensed in Arizona, California, Idaho, Nevada, Oregon, and Washington
Specialties
Construction and Renovation Financing, Done Right
One-Time Close Construction
Finance the land, construction, and your permanent mortgage with one application, one approval, and one closing. No second qualification when the build is done.
FHA 203(k) Renovation
Buy or refinance a property that needs work and include the cost of eligible repairs and improvements in one FHA-insured mortgage.
Loan programs
Financing Options for Every Stage
OTC Construction
Finance the land, the build, and the permanent mortgage with one application and one closing.
FHA 203(k) Renovation
Roll the purchase or refinance and the cost of repairs into a single FHA mortgage.
Conventional
Flexible financing for primary residences, second homes, and investment properties.
FHA
Government-insured financing with flexible credit guidelines and low down payment options.
VA
Financing built for eligible veterans, active-duty service members, and surviving spouses.
Jumbo
Financing for loan amounts above conforming limits, structured around your full financial picture.
Refinance
Lower your payment, change your term, or access equity with a refinance that fits your goals.
The process
What Working With Heather Looks Like
1. Conversation
Start with a call about your goals, timeline, and budget. Heather reviews your options and answers your questions.
2. Application and Approval
Complete a secure application. Heather tells you exactly which documents are needed and keeps your file moving.
3. Clear to Close
You get regular updates, no surprises, and a closing you can prepare for with confidence.
For builders and agents
A Lending Partner Who Understands Construction
Builders and real estate professionals rely on Heather for dependable communication, realistic timelines, and experience with construction draws and renovation budgets. Your clients get a knowledgeable point of contact, and you get a loan partner who keeps everyone informed.
Ready to Talk Through Your Options?
Start with a conversation. Heather will help you understand your options, your next steps, and what to expect.