"The realization that you are responsible for a family's home changes everything! My career is not transaction-oriented, but driven by each and every client's desire and need to have the best possible lending experience."

-Heidi Gates

For over 25 years, we have specialized in mortgage services that help our clients secure their "Home Sweet Home". Whether you're looking to buy your first home, upgrade to the next one or refinance an existing mortgage, we provide an array of services suited to each client's individual needs.

Ready for a digital mortgage?

Technology is rapidly transforming the mortgage industry, making the process faster, more efficient, and more transparent for borrowers and lenders alike. With Mortgage 1’s Pro SNAP App, the application process is simplified. Pro SNAP enables users to apply from the convenience of their mobile device, saving borrowers time and hassle. Securely submit an application and get pre-approved within minutes!

With the Pro SNAP App, borrowers can:

• Start the application and pre-approval process

• Securely sign and upload documents

• Digitally sign required documents

• Communicate with your loan officer

• Calculate payments

• Track your mortgage progress

• Receive updates as you go

"Heidi is great to work with and works hard for her clients. I highly recommend The Gates Team!"

— Barb Z

“Very communicative and helpful from the start! Whenever we had questions she always went the extra mile to make sure we were supported. Heidi always made sure we were educated on our mortgage! Whenever I had a question about mortgages in general, she always answered in a way that was easy to put into perspective! Keep doing what you’re doing! We loved working with Heidi and her team again! Thank you!”

- Victoria M.

“When the Gates Team is handling the mortgage, I know it will close smoothly and without surprises! They take stress out of the loan process by anticipating issues and working through them as needed. They do a great job!”

— Carrie S

“Everything was absolutely amazing. All questions answered and walked through each step explained very well! Anything that was not to my understanding was explained very well and became very understandable after questions were answered! Keep up the honest and great work!”

- Ryan M.

“Heidi was amazing. The process of buying a home can be very stressful and at times frustrating, yet I was extremely pleased with how everything came together in the end. I was expecting a much higher mortgage and down-payment but when the time finally came to pay it was THOUSANDS LESS. I still don’t know how she did it, but I would go with her again and again. There were many things I was unaware of when it came to purchasing a home, Heidi was very skilled in explaining everything in a way you can absorb and understand.”

— Marcus M

“Heidi got us through the extremely stressful and confusing mortgage process with patience and encouragement. She was responsive and informative throughout - we knew we had the right broker from the start! Her expertise helped get us into the house of our dreams earlier than expected and the loan costs were trivial compared to the service we received. Love Team Gates!”

— Heather T

“Heidi handled both our original home loan and refi. It was an awesome experience! We hardly had to lift a finger she made it so easy - when I know the process is actually very complicated but she handled it like the pro she is. I highly recommend the Gates Team!”

— Erin K

“Heidi was fantastic to work with at every turn! She was fast and efficient with paperwork and had great communication! Heidi has helped us through 3 moves now and I have learned a lot.”

- Dillon T.