Heath Barnes

Heath Barnes

Branch Manager
NMLS #210164
Office: 713.979.2999
7700 San Felipe St, Suite 120,
Houston, TX 77063

About me.

I am a husband, loan officer, branch manager, student of life, coach, mentor, triathlete, skier, fly fisherman, sommelier, pilot, 6x ironman, hero's brother, uncle, son, traveler, hiker, mountain climber, and pianist.

At Cardinal Financial, I currently spearhead a staff of sixteen dedicated fun, loving and driven professionals with 50 years of combined industry experience. Prior to joining Peoples Home Equity/Cardinal Financial, the Barnesteam generated over $70 million in closings annually each year over a five-year period.

I view the lending process from my client’s perspective, providing a professional, personal level of service that is rare in the industry. I focus my time with clients laying out the process of turning the liability of a mortgage into an asset. I’ve worked with clients ranging from high-net-worth borrowers to first-time homebuyers and offer a range of loan options that are tailored to their individual circumstances and needs.

Lets connect.

Your home buying or refinancing journey starts here. Fill out the form to get in touch.

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My reviews.

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“Tommy on Heath Barnes' team was very proactive and communicated with me well during the entire process. I wish I had known about this company when I first started looking for lenders because I wasted a month in the beginning trying to mess with other companies.”

Christina | Harker Heights, TX
Experience.com | August 2021
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“Good advice and fast in how they helped me through process. This is my second time going with them for help with a mortgage financing transaction and it was as painless as the first.”

Andres | Houston, TX
Experience.com | March 2022
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“Heath explained everything clearly and was extremely efficient. Fantastic experience. ”

Andrew | Houston, TX
Experience.com | May 2021
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“Great and timely service from start to finish.”

James | Houston, TX
Experience.com | August 2021
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“Very knowledgeable and helpful group!”

Lucian | Tomball, TX
Experience.com | May 2021
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“The communication was great. ”

Adan | Houston, TX
Experience.com | July 2021
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“Personal services. ”

Encarna | HOUSTON, TX
Experience.com | August 2021
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“Finding solutions ”

Jon | Houston, TX
Experience.com | July 2021
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“Heath and Tommy ”

Blake | Washington, TX
Experience.com | August 2021
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Jonathan | Houston, TX
Experience.com | April 2022

Loan process

Getting a mortgage or securing a better rate with a refinance doesn’t have to be a migraine. Here’s a high-level look at the process.
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Connect and apply.

First, get your free quote. Then one of our loan originators will be in touch to say hey, discuss your goals and options, and walk you through the application process. 
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Lock and close.

Whether you’re purchasing or refinancing, our underwriting team crosses the t’s and dots the i’s to verify your info. We’ll update you on your progress every step of the way.
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Make yourself at home.

Once your loan is locked and you’ve signed your closing disclosures, you either get your keys or you get on with your life in the home you love, with the rate you deserve.
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