The Heaslet Team

Every Dream Needs a Foundation

We don't just provide mortgages — we provide the foundation where dreams are built.

Have Questions? Let's Talk Ready to Apply? Start Here →

Why the HRH Team?

We built this team around a simple idea: people deserve better from their mortgage lender.

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We Believe

Homeownership strengthens families and communities. Every buyer deserves someone in their corner who cares about more than just the transaction.

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We Guide

From first-time buyers using down payment assistance to seasoned investors scaling portfolios — we know the programs and we know the process.

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We Stay

We don't disappear after closing. Your mortgage is a relationship, not a one-time event. We're here for refinances, questions, and referrals for life.

Where Are You on Your Journey?

Pick the path that fits. We'll take it from there.

First-Time Dreamer

Ready to stop renting.

  • NCHFA $15K DPA
  • FHA low down payment
  • SC DPA programs
Start Here →

Growth Builder

Your family is growing. Your home should too.

  • Conventional
  • Jumbo
  • Renovation loans
Level Up →

Investment Visionary

Building wealth through real estate.

  • DSCR investor loans
  • Bridge loans
  • Portfolio lending
Let’s Build →

Refinance Optimizer

Your rate is costing you money.

  • Rate & term refi
  • Cash-out
  • Streamline
Check Your Rate →

VA Loans

You served. Let your benefits work for you.

  • $0 down payment
  • No PMI
  • Streamline refinance
Explore VA →

Meet the Team

Real people. Direct access. No call centers, no runaround.

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Hannah Heaslet

Branch Manager

NMLS# 111256

Hannah leads the HRH Team with deep expertise in mortgage lending and a commitment to making homeownership accessible. As Branch Manager, she ensures every client receives personalized guidance from first call to closing day.

(704) 541-1136
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Ron Heaslet

Loan Officer

NMLS# 2445039

Ron works directly with buyers and homeowners to find the right loan for their situation. Whether it's a first-time purchase, refinance, or investment property, he breaks down the process and keeps it simple.

(704) 965-5662
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Michelle

Licensed Loan Officer Assistant

Michelle keeps the loan process moving smoothly, coordinating between all parties to ensure timely closings and clear communication throughout.

See What Our Clients Say About Us

We let our clients speak for themselves. Check out our reviews on these platforms.

★ Experience.com → ★ Google Reviews →

Proudly Serving Families Across the Southeast

Licensed in 6 states. Local expertise, wherever you're buying.

NC

North Carolina

SC

South Carolina

GA

Georgia

FL

Florida

TN

Tennessee

VA

Virginia

Frequently Asked Questions

Answers to the questions we hear most often.

How much down payment do I need to buy a house in North Carolina?
It depends on the loan type. Conventional loans start at 3% down. FHA loans require 3.5% down. VA loans offer 0% down for eligible veterans. Plus, North Carolina's NCHFA program provides up to $15,000 in down payment assistance for qualified buyers. We'll help you find the best combination for your situation.
What credit score do I need for a mortgage?
FHA loans are available with credit scores as low as 580. Conventional loans typically require 620 or higher. VA loans have flexible credit requirements with no official minimum. Your credit score affects your rate, but a lower score doesn't automatically disqualify you — let's talk about your specific situation.
How long does it take to close on a house?
Most purchases close in 30–45 days from contract to keys. Refinances can close in as little as 2–3 weeks. We can often move faster when needed — it depends on the complexity of the loan and how quickly we receive documentation. We set expectations upfront so there are no surprises.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on self-reported income and credit. Pre-approval is a verified commitment — we pull credit, review documents, and issue a letter that sellers take seriously. In competitive markets, a pre-approval letter makes your offer stand out. We can usually get you pre-approved within 24 hours.
How do I know if I should refinance?
The general rule: if you can drop your rate by 0.5% or more and plan to stay in your home at least 3 more years, it’s worth looking at. We calculate your exact break-even point — how many months until the savings exceed the closing costs. Sometimes it makes sense, sometimes it doesn’t. We’ll be honest either way.
What are closing costs and how much should I expect?
Closing costs typically run 2–5% of your purchase price and include lender fees, title insurance, appraisal, prepaid taxes and insurance. On a $300,000 home, expect roughly $6,000–$15,000. We provide a detailed estimate early in the process so you can plan. Some costs are negotiable, and some programs help cover them.
Can I buy a house with student loan debt?
Yes. Student loans affect your debt-to-income (DTI) ratio, but they don’t disqualify you. If you’re on an income-based repayment plan, we use your actual monthly payment — not the full balance — in our calculations. Many buyers with student debt qualify for more than they expect. Let’s run the numbers together.
What is PMI and how do I avoid it?
PMI (Private Mortgage Insurance) is required on conventional loans with less than 20% down. It typically costs 0.5–1% of your loan amount annually. Ways to avoid it: put 20% down, choose a VA loan (no PMI regardless of down payment), or ask about lender-paid PMI options where the cost is built into your rate. We’ll show you all the math so you can decide what works best.

Ready to Talk?

Have a question? Want to know your options? No commitment, no pressure. Just a conversation.