Heath Barnes

Producing Branch Manager | Retail

NMLS #210164

Apply Now

CALL ME

Office: 713.979.2999

Call or Text: 713.494.0178

EMAIL ME

[email protected]

LOCATION

10000 Memorial Dr, Ste 100L,
Houston, TX 77024

Get Directions

Download Contact

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.

Let's connect.

Your home buying or refinancing journey starts here. Fill out the form to get in touch.

All fields are required.

First Name

Last Name

Phone

ZIP

I'm looking to

Purchase

Refinance

Did somebody refer you to Cardinal Financial?

Yes

Please type their name so we can put you in touch and/or give them credit.

What is the nature of your relationship? Select the option that best applies.

By clicking “Submit” below, I am providing my ESIGN signature and express written consent agreement to permit Cardinal Financial Company, Limited Partnership to deliver or cause to be delivered telephone calls or SMS/MMS messages using an automatic telephone dialing system, automated technology, or AI generative voice or an artificial or prerecorded voice, including calls or SMS/MMS messages made for advertising purposes or that constitute telemarketing or solicitations, to the residential landline or wireless telephone number(s) or email address I have provided for purposes of fulfilling my inquiry about mortgage financing, even if call or text results in a charge by my provider. I also agree that this authorization is valid even if any of the number(s) listed above have been added to Cardinal Financial Company, Limited Partnership’s company specific do-not-call list, or to any state or federal do-not-call registry. I acknowledge my consent to receive such calls from Cardinal Financial Company, Limited Partnership is not a condition of buying any goods or services from Cardinal Financial Company, Limited Partnership, and will not affect whether Cardinal Financial Company, Limited Partnership provides goods or services to me and if I do not wish to consent, I may contact a Loan Originator by calling 855.561.4944.

Loan process
overview.

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.

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.

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.

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.

Explore mortgage
options.

Find a Loan