Heath Barnes

Heath Daniel Barnes

Producing Branch Manager | Retail
NMLS #210164
Office: 713.979.2999
Call or Text: 713.494.0178

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.

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My reviews.

Selina S.

Heath and the whole Cardinal Financial team are extremely responsive. They are a big plus for my business. They are professional and deliver on their promises.

Martin M.

Heath Barnes and Team came through. It's a lot of work, but they know exactly what they are doing and always ahead. All in all satisfied with the job done.

Anthony R.

Heath and his team were exceptional they truly worked with us the entire way to closing. My wife and I are truly grateful.

John H.

Tommy Rivera and Luke Nunes were good communicators, diligent, and professional throughout the process which can be frustrating at times. Hats off to them for a job well done! And thank you, Heath, for reviewing my file and pulling a rabbit out of your hat to find a way to lower my monthly payment when after first review nothing seemed possible. Thank you very much for all of your efforts!

Andrew B.

Heath explained everything clearly and was extremely efficient. Fantastic experience.

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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