Headshot of Heather Hayes

Heather Hayes

Branch Manager

Newport Beach, CA Mortgage Lender

NMLS #1541645

881 Dover Drive, Suite 110
Newport Beach, CA 92663
Contact Methods
mobile Mobile
(904) 309-3782


About Heather

No matter if this is your first mortgage or ninth, you are my priority. I have a servant’s heart and strive to assist my clients with compassion and integrity. My passion for helping others means I’ll go above and beyond to help you achieve your goals. That starts with taking the time to walk you through each step of the process and answering your questions. I’ll provide regular updates on your loan status, and we’ll walk together every step of the way.

Whether you want to buy a home, refinance, or renovate, I offer a variety of loan programs to fit your goals. From conventional and jumbo to FHA and VA, we’ll discuss specifics and personalize the mortgage experience to fit your needs. Together, we’ll make a mortgage plan to achieve your current homeownership goals and meet your financial needs for years to come.

When I think about what defines me, three things come to mind: I’m a wife, mother of two, and bonus mom of four! Family comes first to me, and I understand how important family is to my clients, too. I can’t wait to help you secure the perfect home for you and yours.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
Emergency vehicles at scene, including two police cars and an ambulance

CCM Line of Duty
Death Benefit


Our exclusive Line of Duty Death Benefit is designed to provide financial protection to the families of first responders. This complimentary, one-time benefit cancels the balance of your mortgage, up to $525,000, should you fall in the line of duty. It’s our way of saying thank you.

Learn more

Recent Posts and Articles


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.

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