Headshot of Tim Heine

Tim Heine

VP of Mortgage Lending

Naples, FL Mortgage Lender

NMLS #970979

999 Vanderbilt Beach Road, Suite 223
Naples, FL 34108
Contact Methods
tel Phone
mobile Mobile
(503) 828-7425
fax Fax


About Tim

I am a seasoned professional with over 25 years of financial services experience. When you come to me for your home financing, you will receive a very high level of service. I’ll guide you with a quality of communication that instills confidence you are making the right choices for you and your family.

I offer a wide range of loan products, and am proficient in helping self-employed borrowers, high-net-worth clients, and individuals with complicated financials. Together, we will walk through the steps of your mortgage journey.

From pre-approval to closing and beyond, I will make sure you know what’s happening with your loan and answer your questions along the way. I look forward to providing you with the personalized mortgage experience you deserve.

I am committed to the community, and have served on the boards of several non-profits, including the Sherwood Regional Family YMCA in Sherwood, Oregon, and the Janus Youth Programs in Portland, Oregon. I studied business management at Arizona State University, accounting at Edgewood College, and graduated from the Graduate School of Banking at the University of Wisconsin-Madison.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at 239-268-3210