Dave Heil

Mortgage Loan Officer

Dave brings a long-standing mortgage background to helping buyers and homeowners compare their financing options. His broker approach starts with the person and the property, then considers which lender options deserve a closer look.

Apply with Dave Contact Dave

(941) 933–8020 dave.heil@loanfactory.com

NMLS 341889 · Loan Factory NMLS 320841

A local connection

Your conversation, in context.

Ask directly about your property and location.

Practice focus

States listed by Loan Factory

California · Florida

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Loan Factory profile

Education for your next step

A more informed conversation.

A calm workspace with a notebook and home planning materials

Mortgage decisions

How to compare Loan Estimates without losing the context

The useful comparison is the whole structure: costs, credits, payment assumptions and the time you expect to keep the loan.

An open notebook on a warm oak planning desk

Refinancing

Refinancing: compare the cost, the term and the purpose

A useful refinance review explains what changes, what it costs and how long the benefit would need to last.

Start a direct conversation.

Contact Dave