Business Details
8 Years
experience
Trusted Mortgage Broker & Real Estate Services in Palm Beach Gardens
Welcome to HeatherNow, where we combine over 25 years of industry expertise with personalized service to help clients achieve their real estate goals. As a licensed mortgage broker and REALTOR, I lead a dedicated team with more than 20 years of collective experience, specializing in residential and commercial transactions. We offer access to diverse loan programs, including conventional, VA, FHA, and construction loans, ensuring tailored solutions for unique financial situations. Our commitment to transparency and client education empowers informed decisions, whether purchasing, selling, or refinancing property.With a focus on Palm Beach Gardens and surrounding areas, we provide step-by-step guidance to simplify complex processes. Recognized for excellence through client testimonials and referrals, we maintain active licensing (NMLS ID: 1041142) and adhere to strict ethical standards. Our mission remains simple: prioritize client needs, deliver competitive rates, and build lasting relationships through exceptional service.
Services
Residential Mortgages
Commercial Loans
Refinancing
VA Loans
FHA Loans
Investment Properties
First-Time Home Buyers
Low Credit Solutions
Construction Loans
Real Estate Listings
Details
- Year established: 2018
Highlights and features
- We offer 25+ years of mortgage and real estate expertise.
- Our team has over 20 years of combined industry experience.
- We provide access to multiple lenders and loan programs.
- We prioritize personalized service tailored to each client's needs.
- We guide clients through every step of the home buying or selling process.
What people say
5-star service
Achieved dream home
Excellent communication
Knowledgeable team
Smooth process
Services
Residential Mortgages
We specialize in residential mortgage solutions, offering conventional, FHA, and VA loan options tailored to first-time buyers, investors, and homeowners seeking refinancing. Our process includes rate comparison across multiple lenders, personalized credit assessments, and step-by-step application guidance. With expertise in low-credit and alternative-income scenarios, we help clients secure financing that aligns with their financial goals and homeownership plans.
Commercial Loans
Our commercial loan services cater to businesses seeking property acquisition, refinancing, or construction financing. We connect clients with lenders offering competitive terms for office spaces, retail locations, and industrial properties. The process includes cash-flow analysis, collateral evaluation, and customized repayment structure options. Our team's experience with complex commercial transactions ensures efficient closing timelines and transparent fee structures.
Real Estate Listings
We provide comprehensive listing services for residential and commercial property sellers, combining MLS exposure with digital marketing across social media and real estate platforms. Our approach includes competitive pricing analysis, professional photography, and targeted outreach to buyer networks. Sellers receive regular market updates and negotiation support to maximize sale price while minimizing time on market through strategic exposure.
First-Time Home Buyers
Our first-time homebuyer program offers specialized guidance through down payment assistance options, credit qualification strategies, and mortgage tax credit education. We simplify the process with pre-approval consultations, neighborhood market comparisons, and closing cost breakdowns. Clients benefit from our network of trusted title companies and home inspectors to ensure a seamless transition to homeownership.
Construction Loans
We facilitate construction loans for custom home builds and property development projects, coordinating with contractors and architects throughout the building process. Our services include budget analysis, draw schedule management, and transition to permanent financing upon completion. Clients receive tailored terms for land acquisition, renovation projects, or new construction with flexible repayment options aligned with project timelines.
People
Heather Lawrence
Mortgage Broker & Real Estate Agent
With 25+ years in the industry, Heather specializes in mortgage brokerage and real estate transactions, helping clients achieve homeownership goals through personalized financing solutions and market expertise.
Questions
What mortgage options are available for first-time homebuyers?
We offer FHA loans with low down payments, VA loans for veterans, and conventional programs with down payment assistance, all tailored to first-time buyer qualifications and budget needs.
How do you help clients with credit challenges secure financing?
Our team specializes in non-prime lending solutions, providing credit counseling resources and connecting clients with lenders offering flexible underwriting guidelines for alternative income verification.
What areas do you serve for real estate transactions?
We primarily serve Palm Beach Gardens and surrounding Palm Beach County areas, offering both residential and commercial property expertise in local markets.
Can you assist with both buying and selling property?
Yes, we provide full-service support for buyers and sellers, including property valuation, market analysis, negotiation representation, and coordinated closing processes.
What sets HeatherNow apart from other mortgage brokers?
Our combination of 25+ years' experience, access to multiple lenders, and personalized service approach ensures clients receive optimal loan terms and dedicated support throughout their transaction journey.
Reviews (4)
V. Siska
Sep 26, 2021
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Heather and her team are the best in the business, hands down! If you are looking for a kind and knowledgeable professional who takes care of her clients best interests and truly cares about providing great service you need Heather! We purchased our home with her 9 years ago and now did a refinance with her and both times, the process was easy and painless on our part. She took care of us and we felt very secure in the process. Thank you Heather for always looking out for us and for being such a joy to work with!
Erica
Sep 14, 2021
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My husband and I just purchased our first house and Heather was our loan officer. If youre looking for someone who is professional, proactive, responds quick, Honest and experienced, Heather is your person. We enjoyed working with her because of theses qualities and she was always available to answer any questions we had throughout the process. Thank you Heather for your hard work.
Laurie Roth
Aug 21, 2021
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Positive:Professionalism
Heather is not only professional in all her communications with her clients, but very responsive as well. Working with Heather is like working with a dear friend that wins when you win. I found her to always have my best interest at heart! I highly recommend her and have used her on more than one occasion!
Heather is not only professional in all her communications with her clients, but very responsive as well. Working with Heather is like working with a dear friend that wins when you win. I found her to always have my best interest at heart! I highly recommend her and have used her on more than one occasion!
Dominique Fraser-Jones
Jun 26, 2021
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Positive:Professionalism,Responsiveness
Heather was very professional and well-versed. My husband and I had an amazing experience as first-time buyers. She very patiently explained all the unfamiliar terminology. Heather had excellent communication and ensured we got exactly what we wanted in our deal. We will definitely work with her in the future.
Heather was very professional and well-versed. My husband and I had an amazing experience as first-time buyers. She very patiently explained all the unfamiliar terminology. Heather had excellent communication and ensured we got exactly what we wanted in our deal. We will definitely work with her in the future.
