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Heather Roberts
Vice President | Mortgage Loan Executive

My name is Heather Roberts and I am a Vice President/Mortgage Loan Executive for First Horizon Bank in the Key West area. First Horizon Bank is committed to making your banking experience the best it can be with innovative, convenient servi... Show More
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Best Mortgage team in Key West.
Reply from Owner
October 6th, 2026 03:26 PM
Lea Fettis, thank you for reaching out to us. Satisfaction is a top priority here at First Horizon. We are so glad to hear of your experience. Please don't hesitate to contact us if you have any questions or concerns. ^Allie
Heather and her team are amazing. Efficient and professional, but also friendly and understanding.
Very responsive and they made it an easy process
Heather Roberts has received a review with 5 star rating from Evelyn S
Reply from Owner
October 2nd, 2026 12:29 PM
Evelyn Shield, thank you for reaching out to us! We are so happy to hear of your experience! Please don’t hesitate to reach out to us if you need assistance in the future. ^Bree
Heather is absoltuley wonderful. She is responsive, attentive, and works tirelessly to present every possible solution to every unique situation and takes as much time as needed to provide the best option for the client.
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Heather was polite, friendly, knowledgeable, and friendly from the beginning of my home purchase journey all the way to the end. Thank you!
Reply from Owner
September 30th, 2026 08:26 PM
I'm very grateful for your kind words, R. It was wonderful to support you throughout your home purchase journey with First Horizon Bank. If you ever need assistance in the future, I'm here to help.
Heather was polite, friendly, knowledgeable, and friendly from the beginning of my home purchase journey all the way to the end. Thank you!
Reply from Heather Roberts
September 30th, 2026 08:27 PM
I'm so glad to hear that you had a positive experience, Ramona. It was a pleasure to assist you through your home purchase journey with First Horizon Bank. Thank you for your kind words!
Absolutely disgraceful experience from start to finish. Heather will happily promise you a smooth process, give you a pre-approval, tell you exactly how much money you supposedly need, and assure you everything is fine — only for the entire...
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Reply from Owner
September 30th, 2026 12:53 PM
Phil, Thank you for reaching out to us and sharing your experience. We would like to hear more details regarding this. Please give us a call at ************ (Monday-Friday 8am – 6pm, Saturday 8am – 4:30pm) at your earliest convenience. ^Ken...
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I couldn’t have asked for a better mortgage officer! She was professional, responsive, knowledgeable, and made the entire process smooth and stress-free. Thank you for being so helpful and supportive throughout my home purchase—I truly appreciate...
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Reply from Heather Roberts
September 30th, 2026 08:27 PM
I'm glad to hear that your experience was smooth and stress-free, Yumi. It was my pleasure to support you throughout your home purchase with First Horizon Bank. Thank you for your kind words and for trusting me with this important process.
Heather Roberts has received a review with 5 star rating from Cory G
Reply from Owner
September 30th, 2026 08:29 PM
Thank you, Cory, for your 5-star rating. I'm glad to have been able to assist you at First Horizon Bank.
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About
My name is Heather Roberts and I am a Vice President/Mortgage Loan Executive for First Horizon Bank in the Key West area. First Horizon Bank is committed to making your banking experience the best it can be with innovative, convenient services and helpful, knowledgeable people. From your first checking account to the loan you need to build a home or business, we are committed to helping you at every stage of your financial life. Contact me today!
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Medical Professional Mortgages
Fixed Rate Mortgages
DSCR Loans
Self-Employed Mortgages
Specialities
Adjustable Rate Loans
Fixed-Rate Mortgage
First Time Homebuyers
VA
FHA
Conventional
Florida Bond Loans
Hometown Heroes
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Positions
- First Horizon Bank - Vice PresidentApr 1st, 2004 - Current
Memberships
- Key West Chamber of Commerce
- Habitat for Humanity Finance Committee
- Key West Association of Realtors Affiliate
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2000
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 472329
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Achievements
- 2024 Scotsman Guide Top Originator
- 2023 Scotsman Guide Top Originator
- 2023 First Horizon President's Circle
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Hobbies
- Little League
- Spending time with friends and family
- Attending Concerts
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Disclaimer
Banking Products and Services provided by First Horizon Bank. Member FDIC. Equal Housing Lender.