
Heather Roberts
Mortgage Loan Officer
Office: 305-296-0016
Cell: 305-879-1092
Fax: 305-293-0059
heather.roberts@firsthorizon.com
Experience
- Working in the financial services industry since 2004
- Currently focused on providing residential mortgage loans
Education
- High Point University, BS
Professional Affiliations/Licenses
- Nationwide Mortgage Licensing System & Registry (NMLS) #419368
What clients are saying
MMary B.Key West - FLPosted on 2025-04-22T00:00:00.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsIf you want a personalized experience with a lender that is knowledgeable about the Key West real estate market go see Heather Roberts at first Horizon Bank. Knowing that my options were limited in this market, she even went as far as sending me links to homes in my price range. Ultimately she queued me into the home I would purchase, closing only 3 weeks after seeing it. She and her staff were very informative and accessible, moving the process right along. I can't recommend Heather and her staff enough.AAshley H.Key West - FLPosted on 2025-04-21T16:54:16.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsSuper smooth easy processTTrinette L. Z.Key West - FLPosted on 2025-04-18T13:12:23.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsThe incredible people working together and with me! It was truly a pleasure!RRichard A. B.Key West - FLPosted on 2025-04-17T18:10:44.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsEven though I felt overwhelmed the team made it seem like this was any other day and allowed me to trust the process.MMary R. B.Key West - FLPosted on 2025-04-16T14:03:59.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsHeather and her team went above and beyond even alerting me to the perfect Home that became available , that I could afford and met all of my priorities in living here in Key West. It ultimately was the home I closed on yesterday. The service was very professional and personalized. I was well informed through the whole mortgage approval process. Heather and her team are amazing I will tell anyone serious about buying a home in Key West to go See Heather.JJohn L. P.Key West - FLPosted on 2025-04-16T13:24:00.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsVery responsive and efficient process.SSteven J. B.Key West - FLPosted on 2025-04-14T17:26:33.000Z5.0 ★ ★ ★ ★ ★forHeather Roberts.... ... ..MMeghan M.Posted on 2025-04-07T17:15:35.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsMMeghan E. M.Key West - FLPosted on 2025-04-07T17:13:59.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsHeather went above and beyond with every little question I had. I would highly recommend any buyer in the Key West market to untilize her and her team. The attention to detail and prompt response was key.AArthur D. A.Big Pine Key - FLPosted on 2025-04-04T16:33:28.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsHeather and Sam were awesome Answered every question and were patient with us along the way. Made buying our home as painless as possibl.HHarold L. K.Key West - FLPosted on 2025-04-02T13:23:39.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsHeather was exceptional during our refinance. She let me know what was going on throughout the process and made it alot easier than previous refinances I have been through. I highly recommend her if you are looking for a mortgage or a refinance.JJohn P. D.Big Pine Key - FLPosted on 2025-03-31T18:33:26.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsHeather explained everything & made the whole process easyJJeff S.Key West - FLPosted on 2025-03-31T15:29:18.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsVery easy process!JJennifer D.Tampa - FLPosted on 2025-03-27T12:33:02.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsHeather the whole process so easy! She answered every question we had and put our minds at easeMMelissa F.Posted on 2025-03-17T15:49:59.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsI am not sure I have ever had such an easy and simple experience working on a home loan. Heather and her team are knowledgeable, kind, hard working and truly care about the customer. I cannot say enough good things! If you are in the market for a home loan, do not hesitate to call her!!MMelissa A. F.Key West - FLPosted on 2025-03-17T15:48:20.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsHeather and her team were a joy to work with. She was extremely responsive and helpful through the entire process. She answered every question we had and made what can be a grueling process a pretty smooth and easy one. We would reccomend her to anyone in the market for a home loan. We truly can't say enough good things about her. We have bought several homes in our lifetime and this time was by far the best experience of all. She is also just a kind person overall and darn good at her job! She has a great team as well:)RRussell L. B. J.Key West - FLPosted on 2025-03-17T12:35:09.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsHeather was awesome made the whole process seming smooth considering how difficult the process of buying a house isCCamryn F. P.Key West - FLPosted on 2025-03-11T03:30:20.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsGreat, easy experienceJJohn P.Posted on 2025-03-06T19:18:47.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsHeather is an ideal loan officer. She is efficient and provided clear, concise and helpful guidance in what can be a complicated process.AAnastasia L.Key West - FLPosted on 2025-03-04T14:26:17.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsGreat customer service! I will recommend Heather Roberts a Fist Horizon for all my family members and friends!GGeorge B.Posted on 2025-03-04T13:28:56.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsBy far the best mortgage broker to deal with on the island. To be honest, I would have to say that she might even be one of the best in the country. Her work ethic goes unsurpassed and her overall way of dealing with people is just amazing! I would highly recommend Heather and team For all your mortgage money needs. Thank you, Heather for making my process so smooth. I look forward to buying many more properties with you!GGeorge B.Key West - FLPosted on 2025-03-04T13:27:06.000Z5.0 ★ ★ ★ ★ ★forHeather Robertsto be honest, Heather and staff are just fantastic I would highly recommend them to anyone needing to buy a home or refinance. I have already given her name to several people. Heather works timelessly on each individuallyount. There are very few people on the island with her work ethic. To be honest, I wish I could hire her.MMary B.Posted on 2025-03-03T13:52:22.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsI am early in the process of looking for a home. I went to Heather Robert's to discuss my options. She came highly recommended and I see why, personable , professional and very knowledgeable about the local market and my specific needs. Update. I closed on my home 3 weeks after seeing it. All thanks to Heather and her team. If you are serious about buying a home in Key West, Go see Heather Roberts!DDarius V.Posted on 2025-03-01T23:02:22.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsHeather Roberts and Ivette were absolutely exceptional to work with. I highly recommend working with Heather and her team at First Horizon!DDarius J. V.Big Pine Key - FLPosted on 2025-03-01T23:01:13.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsHeather and Ivette were exceptional to work with throughout the loan processYYamilet N.Posted on 2025-02-28T14:46:22.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsYYamilet N. P.Key West - FLPosted on 2025-02-28T14:45:54.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsEven though the process is exhausting, I always received a lot of support, they helped me with a faster and more comfortable process. I am very happy with the process and the outcome was satisfactory for me. Thank you so much for everything.RRiona C.Posted on 2025-02-27T21:35:27.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsHeather was immensely supportive, pragmatic, practical, knowledgeable, and understanding throughout the entire process. It was a joy to work with her from start to finish!RRiona J. C.Key West - FLPosted on 2025-02-27T21:34:28.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsHeather was immensely supportive, pragmatic, practical, knowledgeable, and understanding throughout the entire process. It was a joy to work with her from start to finish!AAndrew L. R.Key West - FLPosted on 2025-02-21T15:33:18.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsHeather made the mortgage process quick and easy. Her assistant Sam was incredibly responsive. It was a high level of customer service, the likes of which I rarely experience in Key West.KKate B.Posted on 2025-02-20T16:40:41.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsHeather is awesome! If I could give a 10 star rating, I would. So helpful and went above and beyond. Made it so much easier for me to get everything done. Thank you Heather!!PPaul D.Posted on 2025-02-14T14:51:40.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsExperience could not have been better, I'm so glad I got to work with Heather to get my new home,NNatalie J. J.Little Torch Key - FLPosted on 2025-02-03T13:28:02.000Z4.0 ★ ★ ★ ★forHeather RobertsVery pleased with how easy the process wasCCarol S.Key West - FLPosted on 2025-01-24T16:20:12.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsThis entire process was made so easy and was an absolute pleasure! I can’t say enough about how amazing the service we received was and want to thank everyone who helped us make this possibl!SSally C.Big Pine Key - FLPosted on 2025-01-24T15:04:46.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsThe people-- Heather and Anesia's Accessibility and willingness to anwer any questions and as the unexpected popped up to work with us to find the creative solution AND to keep the process moving and let nothing linger.JJames D. H. J.Stuart - FLPosted on 2025-01-10T18:00:39.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsHeather is great! Very personable and professional! The rest of the team was excellent. Thanks againCCarli P. M.Key West - FLPosted on 2025-01-09T18:06:24.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsHEATHER!! You are a goddess and I cant thank you enough for all you have done to help me throughout this process!PPaula S.Posted on 2025-01-08T01:49:24.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsHeather Roberts is the best! She honestly tries to help people when it comes to first time home owners. She gives advice on how to increase your credit score and even tipped me off on upcoming affordable housing which I am currently under contract! Thank you Heather for all that you have done for me!KKarl M. S.Key West - FLPosted on 2025-01-01T13:52:34.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsThe ease of submitting documentation and follow-up from Heather and her team made this a truly easy process.AAlexia D.Key West - FLPosted on 2024-12-31T16:26:36.000Z5.0 ★ ★ ★ ★ ★forHeather RobertsHeather was amazing! She made this process very smooth and I am forever grateful for her help!
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- MMary B.Key West - FLPosted on 2025-04-22T00:00:00.000Z5.0forHeather RobertsIf you want a personalized experience with a lender that is knowledgeable about the Key West real estate market go see Heather Roberts at first Horizon Bank. Knowing that my options were limited in this market, she even went as far as sending me links to homes in my price range. Ultimately she queued me into the home I would purchase, closing only 3 weeks after seeing it. She and her staff were very informative and accessible, moving the process right along. I can't recommend Heather and her staff enough.
- AAshley H.Key West - FLPosted on 2025-04-21T16:54:16.000Z5.0forHeather RobertsSuper smooth easy process
- TTrinette L. Z.Key West - FLPosted on 2025-04-18T13:12:23.000Z5.0forHeather RobertsThe incredible people working together and with me! It was truly a pleasure!
- RRichard A. B.Key West - FLPosted on 2025-04-17T18:10:44.000Z5.0forHeather RobertsEven though I felt overwhelmed the team made it seem like this was any other day and allowed me to trust the process.
- MMary R. B.Key West - FLPosted on 2025-04-16T14:03:59.000Z5.0forHeather RobertsHeather and her team went above and beyond even alerting me to the perfect Home that became available , that I could afford and met all of my priorities in living here in Key West. It ultimately was the home I closed on yesterday. The service was very professional and personalized. I was well informed through the whole mortgage approval process. Heather and her team are amazing I will tell anyone serious about buying a home in Key West to go See Heather.
- JJohn L. P.Key West - FLPosted on 2025-04-16T13:24:00.000Z5.0forHeather RobertsVery responsive and efficient process.
- SSteven J. B.Key West - FLPosted on 2025-04-14T17:26:33.000Z5.0forHeather Roberts.... ... ..
- MMeghan M.Posted on 2025-04-07T17:15:35.000Z5.0forHeather Roberts
- MMeghan E. M.Key West - FLPosted on 2025-04-07T17:13:59.000Z5.0forHeather RobertsHeather went above and beyond with every little question I had. I would highly recommend any buyer in the Key West market to untilize her and her team. The attention to detail and prompt response was key.
- AArthur D. A.Big Pine Key - FLPosted on 2025-04-04T16:33:28.000Z5.0forHeather RobertsHeather and Sam were awesome Answered every question and were patient with us along the way. Made buying our home as painless as possibl.
- HHarold L. K.Key West - FLPosted on 2025-04-02T13:23:39.000Z5.0forHeather RobertsHeather was exceptional during our refinance. She let me know what was going on throughout the process and made it alot easier than previous refinances I have been through. I highly recommend her if you are looking for a mortgage or a refinance.
- JJohn P. D.Big Pine Key - FLPosted on 2025-03-31T18:33:26.000Z5.0forHeather RobertsHeather explained everything & made the whole process easy
- JJeff S.Key West - FLPosted on 2025-03-31T15:29:18.000Z5.0forHeather RobertsVery easy process!
- JJennifer D.Tampa - FLPosted on 2025-03-27T12:33:02.000Z5.0forHeather RobertsHeather the whole process so easy! She answered every question we had and put our minds at ease
- MMelissa F.Posted on 2025-03-17T15:49:59.000Z5.0forHeather RobertsI am not sure I have ever had such an easy and simple experience working on a home loan. Heather and her team are knowledgeable, kind, hard working and truly care about the customer. I cannot say enough good things! If you are in the market for a home loan, do not hesitate to call her!!
- MMelissa A. F.Key West - FLPosted on 2025-03-17T15:48:20.000Z5.0forHeather RobertsHeather and her team were a joy to work with. She was extremely responsive and helpful through the entire process. She answered every question we had and made what can be a grueling process a pretty smooth and easy one. We would reccomend her to anyone in the market for a home loan. We truly can't say enough good things about her. We have bought several homes in our lifetime and this time was by far the best experience of all. She is also just a kind person overall and darn good at her job! She has a great team as well:)
- RRussell L. B. J.Key West - FLPosted on 2025-03-17T12:35:09.000Z5.0forHeather RobertsHeather was awesome made the whole process seming smooth considering how difficult the process of buying a house is
- CCamryn F. P.Key West - FLPosted on 2025-03-11T03:30:20.000Z5.0forHeather RobertsGreat, easy experience
- JJohn P.Posted on 2025-03-06T19:18:47.000Z5.0forHeather RobertsHeather is an ideal loan officer. She is efficient and provided clear, concise and helpful guidance in what can be a complicated process.
- AAnastasia L.Key West - FLPosted on 2025-03-04T14:26:17.000Z5.0forHeather RobertsGreat customer service! I will recommend Heather Roberts a Fist Horizon for all my family members and friends!
- GGeorge B.Posted on 2025-03-04T13:28:56.000Z5.0forHeather RobertsBy far the best mortgage broker to deal with on the island. To be honest, I would have to say that she might even be one of the best in the country. Her work ethic goes unsurpassed and her overall way of dealing with people is just amazing! I would highly recommend Heather and team For all your mortgage money needs. Thank you, Heather for making my process so smooth. I look forward to buying many more properties with you!
- GGeorge B.Key West - FLPosted on 2025-03-04T13:27:06.000Z5.0forHeather Robertsto be honest, Heather and staff are just fantastic I would highly recommend them to anyone needing to buy a home or refinance. I have already given her name to several people. Heather works timelessly on each individuallyount. There are very few people on the island with her work ethic. To be honest, I wish I could hire her.
- MMary B.Posted on 2025-03-03T13:52:22.000Z5.0forHeather RobertsI am early in the process of looking for a home. I went to Heather Robert's to discuss my options. She came highly recommended and I see why, personable , professional and very knowledgeable about the local market and my specific needs. Update. I closed on my home 3 weeks after seeing it. All thanks to Heather and her team. If you are serious about buying a home in Key West, Go see Heather Roberts!
- DDarius V.Posted on 2025-03-01T23:02:22.000Z5.0forHeather RobertsHeather Roberts and Ivette were absolutely exceptional to work with. I highly recommend working with Heather and her team at First Horizon!
- DDarius J. V.Big Pine Key - FLPosted on 2025-03-01T23:01:13.000Z5.0forHeather RobertsHeather and Ivette were exceptional to work with throughout the loan process
- YYamilet N.Posted on 2025-02-28T14:46:22.000Z5.0forHeather Roberts
- YYamilet N. P.Key West - FLPosted on 2025-02-28T14:45:54.000Z5.0forHeather RobertsEven though the process is exhausting, I always received a lot of support, they helped me with a faster and more comfortable process. I am very happy with the process and the outcome was satisfactory for me. Thank you so much for everything.
- RRiona C.Posted on 2025-02-27T21:35:27.000Z5.0forHeather RobertsHeather was immensely supportive, pragmatic, practical, knowledgeable, and understanding throughout the entire process. It was a joy to work with her from start to finish!
- RRiona J. C.Key West - FLPosted on 2025-02-27T21:34:28.000Z5.0forHeather RobertsHeather was immensely supportive, pragmatic, practical, knowledgeable, and understanding throughout the entire process. It was a joy to work with her from start to finish!
- AAndrew L. R.Key West - FLPosted on 2025-02-21T15:33:18.000Z5.0forHeather RobertsHeather made the mortgage process quick and easy. Her assistant Sam was incredibly responsive. It was a high level of customer service, the likes of which I rarely experience in Key West.
- KKate B.Posted on 2025-02-20T16:40:41.000Z5.0forHeather RobertsHeather is awesome! If I could give a 10 star rating, I would. So helpful and went above and beyond. Made it so much easier for me to get everything done. Thank you Heather!!
- PPaul D.Posted on 2025-02-14T14:51:40.000Z5.0forHeather RobertsExperience could not have been better, I'm so glad I got to work with Heather to get my new home,
- NNatalie J. J.Little Torch Key - FLPosted on 2025-02-03T13:28:02.000Z4.0forHeather RobertsVery pleased with how easy the process was
- CCarol S.Key West - FLPosted on 2025-01-24T16:20:12.000Z5.0forHeather RobertsThis entire process was made so easy and was an absolute pleasure! I can’t say enough about how amazing the service we received was and want to thank everyone who helped us make this possibl!
- SSally C.Big Pine Key - FLPosted on 2025-01-24T15:04:46.000Z5.0forHeather RobertsThe people-- Heather and Anesia's Accessibility and willingness to anwer any questions and as the unexpected popped up to work with us to find the creative solution AND to keep the process moving and let nothing linger.
- JJames D. H. J.Stuart - FLPosted on 2025-01-10T18:00:39.000Z5.0forHeather RobertsHeather is great! Very personable and professional! The rest of the team was excellent. Thanks again
- CCarli P. M.Key West - FLPosted on 2025-01-09T18:06:24.000Z5.0forHeather RobertsHEATHER!! You are a goddess and I cant thank you enough for all you have done to help me throughout this process!
- PPaula S.Posted on 2025-01-08T01:49:24.000Z5.0forHeather RobertsHeather Roberts is the best! She honestly tries to help people when it comes to first time home owners. She gives advice on how to increase your credit score and even tipped me off on upcoming affordable housing which I am currently under contract! Thank you Heather for all that you have done for me!
- KKarl M. S.Key West - FLPosted on 2025-01-01T13:52:34.000Z5.0forHeather RobertsThe ease of submitting documentation and follow-up from Heather and her team made this a truly easy process.
- AAlexia D.Key West - FLPosted on 2024-12-31T16:26:36.000Z5.0forHeather RobertsHeather was amazing! She made this process very smooth and I am forever grateful for her help!